We've had our pets insured with PetPlan for about 5 years now. I used to have another insurance, which was not bad and covered my medical expenses for my kitty that had FIP, but the insurance had a lifetime cap of only $3,500. So I researched here and found PetPlan. Am I ever grateful! Every claim every time is paid promptly. The happiness managers are kind and helpful. Claim processing is prompt. When my cat had a sore on her belly that turned out to be a rare form of cancer, I did not panic, because I knew I had PetPlan. Our bills are over $10,000 so far and PetPlan has paid every claim submitted. I read an article a year or so ago from some consumer magazine about pet health insurance that found that the insurance was not worth it. Sure maybe your pet does not get sick or hurt and you don't have to use it, or you may never get your investment back but that is not the purpose of getting pet insurance. Having PetPlan means you don't have to make a decision based on money. I cannot say enough good things about my experiences with PetPlan over the five plus years we have had our pets covered. It is a small investment for the peace of mind it brings.