We adopted Fat Tony from our local pound, and before we even took him home we had him on a Pet Plan policy (bronze plan, full reimbursement, $22/mo roughly). Maybe six months after we adopted him, we found out he has diabetes and requires two shots of insulin per day. We spent over a thousand dollars in two days on his testing and hospitalization- our entire budget for the vacation we were leaving on two weeks later! Not only did PetPlan reimburse the entire amount (less the $50 deductible), but because of our plans they expedited the payment so we would have it before we left. That was almost two years ago. Every single thing (except food) that we need for Fat Tony's diabetes is covered completely, all I need to do is scan and email the documents. Roxy, our dog, also has PetPlan and when she needed emergency veterinary care, she was taken care of too. I have nothing but good things to say about the Happiness Managers at PetPlan. Every time I call they ask how my animals are doing by name and they are genuinely helpful with every interaction. I don't know HOW anyone could not have pet insurance, and I couldn't imagine not having it through PetPlan. I wish they covered people!