Five years ago we lost our two rescue dogs in one week--a black week. And the Malamute mutt ran up a big vet bill. So when we got two more rescues, we also got insurance from Petplan. After five years with two wonderful girls (a Golden and a hound mutt) the Golden suddenly failed. Legs, appetite, joy. After several trips to the vet, we had her euthanized. It was easy to submit a claim to Petplan and they were very supportive and sympathetic--their "happiness manager" Krista was really swell and turned a sad experience into a bearable one. And the prorated insurance was refunded promptly.