I just wanted to share a positive incident with the list & anyone pondering pet insurance for their fuzzies. We have the pet insurance for our 5 fuzzies...and recently our 3 year old had adrenal surgery...we had seen a few postings on the list before about the insurance, but we weren't sure since this was our first "claim" and we didn't know if our claim would be accepted or rejected... I'm very happy to say the almost the whole claim was paid: the total was $631.23 (ultrasound/surgery/anesthesia & tests) the insurance covered $470! We have a $50 deductable, and there was a fee of about $4 they wouldn't cover...and the total submitted was about $55 over the total allowed, but still-we're very happy to be getting anything back. We have had two expensive non-insured incidents with past fuzzies & decided to give the insurance a try..(an anemic (unknown cause & only a few months old ) and a diabetic at almost 4 years old). Unfortunetly it does not cover routine shots, but I'm happy we have it now & wish we had gotten it sooner!! Dan, Wendy, Poopy, Josh, Toby, Sammy & Sparky [Posted in FML issue 3806]