We've never had pet insurance before but it sure paid off this year. We have a blonde lab (Blondie) and a German Shepherd (Ginny. They are both three and are very active and rambunctious. One day late July they had been outside playing when Blondie came in walking on three legs. Ultimately we found that, somehow, from just playing, she had done serious injury to her knee. She has had an MRI and subsequently knee surgery from which she is still recovering. She's not fully out of the woods yet but thanks to PetPlan we continue to be able to give her the best care available. This is important when you love your pets as much as we do!