I adopted Lola from a rescue two years ago. I got pet insurance for her through pet plan, not knowing if it would ever really "pay off". It turns out that Lola had some pretty severe knee problems. Recently she ended up having surgery, which cost close to $3,000. I have a policy with Petplan that covers 80%, and that is exactly what they did. I got a check in the mail before my credit card statement even came. I highly recommend this insursance for any pet owner...and so does Lola!!!