I decided to get pet insurance after a couple super expensive bills I got from our local animal hospital that I had to pay out of pocket. I dog the insurance at what I think is a very fair price. I had it for about a year until my dog Sara developed a mammary tumor that had to be removed. I felt peace of mind knowing that I had my insurance to fall on to. Even though it wont cover the whole bill it helps so much. The claim take about to months to process and it will cover over 60% of your expenses. I think this is a great service and recommend it to anyone that owns a pet. WORTH EVERY DIME!!!