I did a lot of research when originally choosing a pet insurance plan a few years ago. I am so glad I did. We have sent in claims over the last few years for both of our dogs, who constantly seem to end up with random injuries or illnesses that cost hundreds of dollars. PetPlan has reimbursed us for the full amount minus our co-pay each and every time. It amazes me every time. One of our dogs has racked up almost $2500 in vet bills from the regular vet and the ER vet since August (two separate vomiting incidents, one for no apparent reasona and one from swallowing a pacifier). PetPlan reimbursed all of it but our co-pays. I hate paying the premium every year but I sure love knowing I can take our dogs to the vet and not worry about the bill. PetPlan is definitely worth it, at least for our family. My only complaint is a couple of times they've misplaced our insurance submission and I've had to call to get them to process it, but that is so minor compared to everything else.