I bought the insurance a couple of years ago and never had to use it until recently. What a great decision I made by choosing PetPlan. I ended up with $7000 in medical bills for my dog who had to go through a complicated surgery and a long hospital stay. They paid everything they said they would and they paid very quickly so that I wasn't burdened with these heavy bills being due before I was reimbursed. I would never go with any other company- their people were kind and helpful, no red tape, great company to work with.