My cat, Trouble, had a horrible accident while I was on vacation. By the time I had returned she had been in the hospital for 3 days, near death, and the vets were keeping her alive just until I could get home. Her bill was already over $5000 just by the time I got home! After 3 weeks in the hospital Trouble came home and other than a limp, she is back to herself. Having the Petplan insurance allowed me to make decisions on her treatment that were not based on money. If I didn't have insurance, I'm sad to say, I wouldn't have felt as confident to make the lifesaving choices I made for my little baby. In addition to that, my other cat had congestive heart failure and I was able to get her treatment and medicine that bought me another quality filled year with her. I would do anything for my babies but having this insurance literally saved their lives. I tell EVERYONE I know to get insurance, even if it's a smaller policy. The customer service is amazing, these people really love animals and feel your pain when something goes wrong. If you have a lot of claims you have to keep an eye on them but once everything is proven and documented they are really good about reimbursing in a timely manner. It's a business that employs people who truly care about your furbabies.