Have dutifully paid pet insurance for the past 5 years. Opted for the highest plan, that includes a very low deductible, 14K coverage per year, and 100% coverage of claims. Yes it's not cheap, but if you need as we have now, it more than pays for it. Our dog who has been perfectly healthy his whole life has cancer which will require chemo for the remainder of his life which unfortunately will be far shorter now.
The website needs a lot of work. Trying to find the claim section was a challenge since all the claim links go to random places. Thankfully the chat agent sent me a link to handle the claim and I let them know about the bugs on the site. Normally I'd lower the score for this, but with an insurance company it comes down to, whether a company pays as expected or not, and they have. There were a couple road bumps with them, but after all is said an done the approved the large claim in a few days.
Now whether they will attempt to increase rates in the future as most of the 1 stars noted here, I don't know. But for now I'm very thankful as without this there is no way we could every afforded the incredible bill we will were faced with after a few days of countless scans and overnight stays.