Pet insurance was new territory for us, but it seemed like a good decision when we got our rescue pup. In the first year the premiums paid for themselves, basically, because we purchased a plan that covered those expensive immunizations and spaying. We're now in our second year of insurance and have submitted claims for various issues. We are very happy with the service we are provided. The staff is great and processing of claims is easy, responses are quick. When a claim, or part of a claim, is denied, we always understand why. This is a good financial decision for someone getting a young pet.