I got pet insurance for my 2 black labs when I adopted them 7 years ago at age 3 and 4 after going through cancer treatment and surgery for my previous dog that was outrageously expensive. For 6 years I didn't really use it, but in the last year, they have both had medical issues and currently one of them is undergoing surgery and cancer treatment. The claims process is really easy. Claims are reviewed and approved in a timely basis. Their customer service people are friendly and responsive whether in an online chat or on the phone. They are very clear about what they will or will not cover. My only regret is that they don't cover preventive things like vaccines, heartworm and flea/tick preventive medications. But otherwise, I have been very happy and won't get another dog without having insurance.