I have had pet plan for 6 years and never had to use it until July of 2015 . My 8 yr old puggle was diagnosed with ketoacidosis diabetes and pancreatitis. The first claim I made was handled so quickly they reimbursed me within 2 weeks. That claim was $4500. He continued needing treatment and monitoring every 2 weeks. Then in September he developed cataracts from the diabetes and went totally blind. He had cataract surgery and could see immediately again that night. Cost of surgery and testing about $5800. 2 weeks after cataract removal he developed secondary gluacoma and back to the hospital again, could not get pressures under control and he required endolaser surgery and spent a total ofb12 days in the hospital while specialist conferred how to treat him as he was having complications. Long story but today my dog can see, play ball and his well on his way to recovery, was a very long road but one we could afford thanks to pet plan. Fortunately our policy renewed in the middle of all of this has everything with his eyes cost right around $ 19,000. We never could have afforded the best treatment for our precious Chauncey , I will forever tell people I meet if you love your pets don't go without pet insurance. The first claim paid me back more than I had paid in premiums in 6 years. I also pay for coverage for my other dog and my daughters 3 dogs. Wouldn't gonwithout it! My daughters husky also has diabetes and needs constant treatment. If you love your pets I can't say enough good things about Pet Plan! Also subsequent claims after first were handled in a weeks time incredible, better than people health insurance.