I have to admit I was skeptical about insurance for my pets, as my own health insurance policy leaves a lot to be desired. Petplan, on the other hand, is fantastic. I had to take my dog to emergency (why is it that trouble always comes at night or on weekends?) because he swallowed a bone that got lodged in his esophagus. I shelled out quite a bit of dough over the next couple of days while they tried to determine the fate of the bone and my dog. Bone gone, dog fine and Petplan reimbursed me a good chuck and in very good time. I highly recommend them to anyone considering pet insurance.