Insurance is one of those things you hope you never have to use. Unfortunatly we had to for our cat Bailey. He became very ill suddenly, causing us to take him to the animal hospital and he had emergency exploratory surgery. Our Bailey is only a year old. The illness was completely unexpected. Fortunately for us, we had insurance. Without it, we would have had put Bailey down. We didn't have anywhere near enough money to help him. I gathered all the required information for Pet Plan, faxed it on a Friday and received my check the following Friday. People are always uneasy about getting pet insurance. Many think it's a scam and it takes a lot of jumping through hoops and time to get your money back. I am overly satisfied with Pet Plan. They were everything I could have hoped for in a pet insurance. Also, their customer service is absolutely outstanding. I called one time with a question and ended up talking to the representative for almost 20 minutes about our animals. It felt like I was talking to a friend. Thank you so much Pet Plan.