At first, I could not believe that I was actually going to buy pet insurance for my new puppy. She was my first dog, and I decided that I never wanted to be in a position where I had to make a choice about her care or my finances. I decided to take the plunge, and after a lot of research, and careful consideration, I decided to go with Pet Plan. I have a 13 month old Australian Shepherd (very active dog) and 9 months into my first year policy she got herself bit. This involved a 10:30pm trip to our local emergency veterinary hospital (not the cheapest around, but a good place). I submitted my first claim and got the check for the full amount I was expecting (the total bill charged minus my deductible) in 11 days. No arguments, no requests for additional information, no write downs or exclusions. This was the best experience I could hope for, and am very impressed with their turn around.