It was worth the time and effort I expended to find Pet Plan. My other dog, Sophie (14) was on THAT other insurance plan. When I adopted Zoe from the pound, I immediately did research and signed her up. One year later, my living room looked like a warzone. Blood everywhere. Rushed her to emergency at 6:00 on a Saturday morning. Emergency Pet Hospitals want to be paid up front. I took out 5 credit cards to pay for her in advance. Cost came to $3,000. When I received my reimbursement check close to $2,800 I cried. Thank you PetPlan for taking care of us -- pets and owners alike.