I purchased pet insurance through PetPlan after a lot of research. I've experienced very expense pet bills for my other dogs and I was a little smarter when I brought little Riki into our family. I had only made two premium payments when Riki had to have surgery for Legg Perthese disease in mid-July 2011. The bill was over $1500 and after the deductable and co-insurance, PetPlan still paid over $1200 only about two weeks after I submitted the claim. It was such a simple process. I would recommend PetPlan to all pet owners, it is so worth the investment!