We have been reluctant to purchase pet insurance because we thought they would find any way to turn down claims. PetPlan has completely changed our minds. When we got the insurance for our Lhasa Apso Tashi, we figured we were making an investment that wouldn't pay off for several years. Unfortunately, she has already had two incidents in the first year. Fortunately, Pet Plan has been there to help. Not just to pay for the cost, but to offer comforting words. Best is that you can have a procedure approved in advance (assuming you've got the time to wait) and have it done knowing exactly what will be covered. We are thrilled to have discoverd Pet Plan!