Only twice in my dog's life have I needed to file what I consider are substantial monetary claims for diagnostics and procedures. Both times my claims have been handled in a timely fashion and checks have been issued quickly. In a case where I had a question or concern, answers were forthcoming. Many owners do not think about the potential medical implications that come with pets. However, in our experience, pets are people, too, and they can suffer as we do from a plethora of maladies. It's worth the peace of mind and monthly payment to know that when something more grave or catastrophic happens, it is well covered.