I dont know how i could of ever afforded the health problems i encountered with my mixed beagle,Alice. She came to me as a tiny puppy, health and happy. During mid life she exhibited pain and discomfort in her hind legs. A few years prior to her health issues, i read an article about pet health ins. I called and found it to be very affordable and so i purchased Alice a policy. Say no more, the plan has paid for itself over and over. Its super easy to file a claim and the staff on the phone is wonderful, very helpful and pleasant.