When our dog was diagnosed with Mast Cell Tumors we were devastated. Not knowing the outcome of this diagnosis and the long-term treatment plan possibilities, I began to think of everything that could go wrong, including sky-rocketing vet bills. After his surgery, I was relieved knowing that we had pet insurance. We submitted our claim and within 1.5 weeks received a check in the mail…wow! No questions asked, and I have to say, I was ready to put a fight. Not having to worry about vet bills let us enjoy our recovery time with Thor, watching him return to his usual playful, healthy self. I can honestly say that having pet insurance is the best thing we have done. We have another dog who, unfortunately, was diagnosed with an incurable brain disease before we could got him under pet insurance. We pay out-of-pocket for him every month (nearly $400 in medications and treatment) because we love our pets. I can say from experience, it makes a difference to have pet insurance!