I am the only one of all my friends who has pet insurance, and while they have paid astronomical amounts for their pets' last illnesses, or just ordinary problems, I have paid a small premium monthly for my Boston Terrier. And when she tore her ACL and needed surgery, meds and PT, Petplan honored their policy perfectly and reimbursed me promptly and properly. I didn't have to think for a minute about the cost, and I will continue to pay for that peace of mind with every pet I get. In fact, the new puppy was just insured yesterday. It is important to know what your policy does and doesn't cover before you buy it, and then to follow the instructions about what they need to reimburse you. There is no sleaze and no magic about Petplan. It's a business contract, and they honor it.