I had a different pet insurance carrier for my Golden Retriever, Tiger and my Ragdoll, Zuli, When Tiger ended up with Mulitple Myeloma, I busted through the insurance plan on the first emergency visit and learned that I needed to do some more research. Tiger passed away 2 1/2 years ago but I had already moved Zuli to Pet Plan because I witnessed 1st hand the shortcomings of the other plan. Unfortunately, 8 year old Zuli now has a diagnosis of low grade lymphoma. Luckily, he has Pet Plan insurance and (after the deductible) 80% of the vet fees are being covered by his plan. The treatment involves several years of chemo/prednisone and regular blood tests so I'm very happy that I signed Zuli up for Pet Plan insurance. Many people don't even know that insurance is available for their beloved four-legged family members so I'm spreading the word withing my circle of animal lovers.