I have a 3 year old kitten who was diagnosed with an illness earlier this year. Having the pet insurance has been very helpful as the financial needs and continuing care definitely add up. The insurance definitely helps offset the expenses. I do wish they would make submitting the forms a bit easier as well as have some type of database on their online site that would keep general pet and vet information. Having to download and fill out the PDF each time and then upload it gets old.