AFter my last dog passed away after an expensive battle with lymphoma, I decided my next pet would be covered by insurance. When we finally got another dog, I got insurance almost immediately. Within the first year, our dog came down with a bad skin infection and allergies. Petplan paid out for many visits, prescriptions and even paid for prescription shampoos for him. They have paid out much more than what I have paid them in premiums. I am glad I bought coverage. I typically am reimbursed within less than 2 weeks.