No one wants to purchase insurance but I am glad I did. My dog had a condition that brought him back to the vet almost every 3 months. When his regular vet couldn't figure out his illness we then had to bring him to a specialist that did every test she could think of: cat scan, xrays, etc. The vet sent in the claims as pleural effusion. I'm so glad that I purchased insurance through Petplan. I never had a problem with claims submitted from my vet and payment came within 2 weeks of submitting a claim. Because of Petplan I was able to concentrate more on trying to help my dog instead of worrying about money. Unfortunately, we were never able to find out what caused his illness and had to say goodbye to him. A week later we receive a handwritten card from Petplan.