After an unexpected $900 vet bill for what turned out to be nothing serious, I decided it was time to cover my Pointer mix, Jasmine. Unfortunately due to this vet visit there was no waiving the 6 month waiting period on cruciate injury, but that's the only minor issue I've had with PIA. I'm just glad I got it when I did because It's already paid for itself after a couple of accidents and a funny looking lump that I may have otherwise left unchecked. Each of my claims have been processed smoothly, so when I got the renewal notice I was happy to stick with them for another year. Definitely worth it for the peace of mind.