PetPlan stood by me during life-threatening illnesses for both of my cats. Vet bills, Vet hospitals, tests, etc are not cheap. With PetPlan I was always thinking what was best for my cats rather how big a bite could I allow a hospital or doctor's bill to take out of my savings. For less than $300 a year it is a no brainer. Peace of mind and healthy pets. I heartily recommend Petplan. It does not make sense to leave your pet uninsured.