To be honest I have never purchased pet insurance; but, it was a long time since I had a puppy. The dogs I had in my life were years old and we have never had any health issues with them. But, times changed and there is a cost in having a puppy, I thought it best to purchase a plan to see how it would be for my new pup. My female had issues within a 6 week period. The claim process has been fast. And, after a claim was paid, always called to see how my puppy Grace was doing. Grace ended up needing a sonogram and now faces surgery. I am so thankful I am covered by this company. I have highly recommended this insurance to others. You can't afford not to use this pet insurance company.