One of my little guys got a rare symptom - Type I IMPA: Immune-Mediated Polyarthritis. The diagnosis and treatment includes Blood work, Urinalysis, Urine cultures and Ultrasounds at Cornell University Veterinary Specialists and which was very costly (total in 5 digits numbers in 6 months). And the best decision I even made for my boys is I bought a insurance plan with PetPlan since they were about 1 year old. I didn't not claim anything for 3 years as I do have separate coverage for their maintenance care and I bought the insurance for the rainy days only. And finally when the rainy days came, PetPlan was excellent and all the cost were reimbursed as per the plan. Highly recommended and excellent service so far.