We purchased pet insurance for our dog when she was a puppy. She is now 5 years old, and while healthy in general, she has had a couple of illnesses requiring hospitalization - the most recent a 2 day stay requiring consultant care from 2 specialists. PC Pet Insurance has been amazing. They have paid out exactly what they said they would and the refund is directly deposited in a timely fashion. Any calls to followup have been welcomed by the company and they send regular email updates when a claim is submitted. I don't regret purchasing pet insurance through PC - it has paid for itself and the company has been terrific to deal with.