I am very happy with PetPlan. I cannot imagine not going through with the necessary treatment for my dogs because of the costs. As far as I'm concerned pet insurance is not optional. Recently one of my boxers needed a knee surgery. Without it she was limping and going on walks only made things worse. Not being able to go on walks she became very unhappy and restless. Luckily, we elected to have the knee surgery (thanks to PetPlan!) and she's a happy dog again.