I have had Pet Plan insurance for 6 years and never used it. I purchased it for emergencies and my Weim, Cookie has been healthy ever since. But this year we are in the middle of a bout of Gastritis and they are paying 80% of my continuing bills. And even as we are in the middle of one digestive issue, she managed to eat 3 pottery figurines. An emergency vet visit overnight and a full day at our regular vet and she had passed all the pieces. Luckily no surgery was required. (When it rains it pours) Again Pet Plan came through with 80%. It is nice to know that in an emergency and faced with large bills I do not have to worry about not being able to provide my dog with the best of care.