This is the first time I have had pet insurance before and I am sooooo grateful for it, a month ago our 11 month old bull terrier that we adore needed urgent surgery to remove foreign objects from his tummy. Having the insurance and not having to worry about the cost of the surgery was fantastic as we could focus on getting our boy better without the stress of the $$$ The claim was really easy to lodge and we had the funds in our account within a week.