I am a firm believer in pet insurance. As a dog trainer I recommend it to all my clients. I have tried other insurance companies in the past and they paid what they felt the emergency room should have cost, which was about 1/8 of the bill(VPI). Purina is the only one I recommend now. They pay what they say they will pay, they trust vets to do their job. My 4 year old golden has allergies and now hip dysplasia. My bills have been paid every time within 5 to 7 days. I always tell clients to change to Purina now.