Ive had insurance.for 2 years for my two and it has MORE than paid for itself. It paid $2500 for Stanley's testing & MRI, and $3500 for Phoebes cataract surgery. It was wonderful that I didn't have to worry about money when they needed care! I'm sure its not for everyone, but after this year i wouldnt be without it. I use Petplan & have been very happy with their service.