I have had PET insurance for over 9 years. I knew that we loved our dog (Jazz) so much, because of the joy she brings to our lives, we would get into debt to help her medically if we had too. We are middle income folks with grandchildren and don't wish to take on huge vet bills. PET insurance has given us peace of mind knowing we don't have to worry about compromising Jazz's health to keep a vet bill down. We have always received payments within two weeks and PET insurance has paid what the policy states. Yes, it is a monthly expense I have to budget for (insurance) but well worth it! I am concerned as the premiums increase over the years but so far they are affordable.