Healthwise, my Chocolate Lab has had a very bad year so far. In May he tore the ACL in his left back leg. Surgery to repair that ran to about $3,600, of which Pet Partners paid about $2,300. Then in September, he ate part of the bed spread; including a piece about 15" * 4". He barfed up part of it, but part was still in his stomach, which required emergency surgery to the tune of about $4,500. Last week I received a check from Pet Parners for $3,000. I would prefer to spend the $60 or so a month for insurance and never have to make a claim. Buying pet insurance has turned out to be one of the smarter decisions I have ever made and Pet Parners really came through for us.