I'm so glad you brought this up, Nancy and I appreciate your input Annie since I've struggled with getting pet ins, but after examining several policies, thought the same thing - it's a rip off. I would love to hear from anyone who has a positive experience to share where the insurance ended up worth their while...or worth their money. I would suppose if you've got a lot of money to spare, the gamble is worth it, but we don't, so...