Does anyone have this and if so how has it worked out for you?

Didn't help me much when I had it. Anything that went "wrong" seemed to be something in fine print that wasn't covered. And of course that old Murphy Law that things only went wrong before I had it and after I cancelled it! Best thing is to know you can afford to take care of the pet in the first place and not be spread thin :)

I wish I would have had it. My dog got hit by a car and it was quite expensive to fix him!