I struggled over buying insurance, most things I read said if you could afford to pay for the treatments and money was not a problem then Pet insurance was not for you. December 2009 I adopted Bella a young border collie rescue dog. I decided after reading about everything that is covered at least with teeth cleaning and routine items that I would not really be risking too much so I went ahead and purchased insurance for her "just in case". Bella is now 7 months old in the last 2 months we have paid $6,377.60 in vet bills and Purina has paid us $4,911.49. The "Just in case" has paid off big time. I simply fax the claims and usually within 2 weeks I receive payment. I could not be happier with the service we have received so far.