I obtained insurance for my Cavalier because of the high incidence of inheritable illness in this breed expecting to only use it if he required surgery or intensive care. When his itching became so severe that the medications the regular vet had him on were no longer helping, I took him to a dermatologist/allergist. It turns out that he is allergic to a wide variety of environmental things. I was delighted at the quick response and payment from Petplan (sure wish that my human insurer was as easy to work with). The best news is that Petplan will pay for ongoing treatment (we're expecting this to be a long term process). I am thrilled with my choice of insurers for my special boy.
Cavalier King Charles Spaniel