I haven't had pet insurance for 20 plus years. Our breeder recommended insurance and provided me with data on multiple companies. I chose PetPlan mostly because my brother was happy with his experience. Recently our new Golden retriever puppy, Cooper, was diagnosed with elbow dysplasia and needed surgery. Petplan was very sympathetic, responsive to any communication and paid for 80% of his $3500 within 2 weeks. Petplan followed up to check on how Cooper was doing. Very nice. I told them human health care companies should take some lessons from them.