Working as a veterinary technician I have seen the cost of owning a pet. Some people get lucky and get by with just an annual exam and vaccines while others may be at the hospital every other week with serious health issues.
I have also seen people put in the tough position of not being able to afford treatments for their pet. I would never put myself in that position so I bought health insurance for both my dog and cat.
My dog has experienced the following: chronic ear infections, food and environmental allergies, conjunctivas, tick-borne disease, paw pad injury, a dog bite, infected cysts, and I am sure more will occur.
PetPlan has always covered these illnesses and accidents. I don't even want to know how much we would have spent if I didn't sign him up for pet insurance :)
Plus their customer service is amazing! I recently moved and needed to update my plans to fit my pets needs. I was given multiple coverage and cost options so I could pick the plan that was right for me.