We've had PetPlan ever since Cesar, our Yorkie, was just a puppy. Since he was our first dog, everyone told us to get insurance, and we were very glad we did. For the first 5 years, Cesar was relatively healthy, so we didn't need to use PetPlan, but just that peace of mind was worth the cost. Recently, Cesar had a very severe case of vomiting and diarrhea that was not getting any better after 4 days, even with daily vet trips and medicine. We thought we were going to lose him, so we had to hospitalize him at emergency care for 3 full days while he was nursed back into recovery. Luckily Cesar recovered, but had a few more episodes of vomiting in the coming weeks. We had to do more diagnostic tests, including an endoscopy, after which Cesar was diagnosed with IBS. The medical treatments and diagnostic tests cost over $10,000! PetPlan covered their share of the fees with no questions asked. I was honestly amazed at how quick and pain-free the claim process was. Thanks to PetPlan our baby is still with us.