I will keep this as short and to the point as possible. I believe having Pet Insurance is an absolute must when owning a dog. I have had two instances now where I would have been caught in a very difficult situation financially if it were not for Pet Insurance and having it has saved me that trouble. That said, I cannot imagine many providers being better than PET PLAN. My plan covers EXACTLY what I need it to so I can be sure my dog gets the care he needs (not just the care I can afford). I know some owners look for reimbursment of preventative items such as frontline and heartguard, but my priority was the big items that I a) wouldn't be able to pay for, or b) would make me have to decide between money and my dogs wellbeing. PET PLAN is an excellent provider and I highly reccomend it to all pet owners.