I have pet insurance on Sassafras. Ours has been pretty good about paying. We had some problems with them in beginning when she was having a lot of tummy problems, but we appealed their decision with letters/phone calls from us and our vet and they paid. It seemed like to me that they want to quickly diagnose things as a preexisting condition. However they have been really good with paying for accidents and we have had many! We use ASPCA Pet Health Insurance.