I have an extremely active 3 yr. old standard poodle. As a result, we visit the vet at least once a month! So far the only vet visits that have not been covered are monthly anal gland expressions and a pre-existing ear infection. Everything else has been covered.
About PetPlan: I had been looking at PetPlan and Trupanion. I called each of them and asked that they compare themselves to the other insurance (ie, Trupanion compare itself to PetPlan and PetPlan to Trupanion). Interesting.. Trupanion responded with "Uhhh, that costs extra" or "we don't cover that". PetPlan covers wellness checkups and cancer treatment at no extra cost. You don't have to pay extra for what should really be covered.
My plan is $100 deduct. and 100% coverage. PetPlan has come through every time with no questions, disputes or challenges.
PetPlan is very easy to communicate with. I prefer communicating by phone. The agents are all patient, helpful, patient, non-confrontational, oh, yeah, and patient. I've had other insurance plans in the past for my other pets. But PetPlan is the best. I would (and have) recommend PetPlan to anyone who needs a great, honest, reliable pet insurance. By the way, all claims were handled within 7 days.