I love having pet insurance and highly recommend it to anyone that has pets. Our dog is part of our family and we love him like he is our other son. I would hate for him to have something terrible happen and we not be able to afford to provide the care he needs because of money. Sure, only a portion is reimbursed but it could mean the difference of having a surgery to save him or not... (I know my husband would pay anything for our Gizmo, regardless ;) That's his buddy.) When we have submitted claims, the process is easy and the turn around time for reimbursement is not long at all. Fortunately, we only have to take him for wellness visits. I am sure our one year old will eventually give him something that we will have to take him in for. lol It is a peace of mind knowing that our "baby" is covered.