We adopted Madie from the SPCA in December 2010. We contemplated pet insurance for many weeks as we were not sure if it was expense we would need. Our other "child", Tobie (12 year old shepherd mix) was also adopted from a rescue organization and he has just about been a perfectly healthy doggie. After hearing a family member's horror story of his dog's unforeseen medical bills, we decided to be safe and move forward with securing pet insurance for Madie. After many more days of research, we decided to go with PetPlan after reading the many positive reviews, the ability to pick and choose our deductible/coverage and the wide range of conditions/incidents it covers. Unfortunately, we recently found out Madie was going to require knee surgery and the cost was going to be thousands of dollars. Our vet team (who is fantastic!) worked directly with PetPlan Advisors and after completing the required documents, paying our small deductible & co-pay (both minimal, considering the expense) we were on our way to 100% coverage of the surgery! Claim docs were submitted and we received our reimbursement check about 2-3 weeks later! We are not exaggerating and we can honestly tell you that this was the best insurance experience we've ever had - human or canine!!! Again, if you're considering pet insurance, get it... and we wholeheartedly recommend PetPlan.