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Message: [QUOTE="NJHusky, post: 3807888, member: 114"] To me this is the value or Pet Ins....the large unexpected expense. With our current dog, we opted for such a plan as opposed the the plan that also covers a % or regular expenses. Found the all coverage plan didn't pay a lot for general things, but did come in handy on catastrophic events, cancer surgeries and emergency spleen surgeries/treatment which were prob close of 20k out of pocket...prob got 40-50% back....which more than covered the costs. Glad your pup is doing well. Our guy was diagnosed with mast cell while we were in Vt...local vet was very happy we were going to take him to AMC in NYC for treatment, as he said most of his local clients can't do that and dog would have prob lived only another 6-12 months. 5 figure bill, but he lived another 8 years happy and healthy. Money well spent [/QUOTE]