When purchasing health insurance for our then young golden retriever, we did it for peace of mind. If she were ever to have a health crisis, we knew we would never be forced to choose between financial considerations and Sadie's life. We have been fortunate with our girl - no life threatening illnesses. But Pets Health has been more than fair in defraying the often expensive costs of keeping her well. Customer service is wonderful and the company is fair and responsive. As Sadie aged we added a continuous coverage rider, which essentially eliminates the pre-existing condition clause. That has been worth every penny. I highly recommend PetsHealth.