I got Petplan insurance at the advice of our vet when first getting our puppy. Thank goodness as she ended up having a liver shunt and needing major surgery! Without Petplan I would not have been able to afford it or the care she continues to need. They have been wonderful with reimbursing quickly and covering everything according to my plan. They have different plans available depending on your needs and how much you want to spend. Everyone I have ever talked to on the phone has been wonderful and so caring!! I tell everyone I just wish my insurance co. was as wonderful as Petplan!!!!