My 6 y.o Shiloh shepherd Loki was having problems urinating and I thought he just had a UTI. When the vet did tests they found abnormal cells and thought he had cancer. After over 3 months they said everything came back normal. In the mean time there where a lot of test, meds and the bills just kept piling up. It seemed every 2 weeks I had another claim I had to send in. Petplan always paid quickly. When all was said and done poor Loki had a shaved belly and a vet bill of almost $1000. I have a deductible of only $100 (I upgraded it from $200 this year as Loki seems to always have something go wrong and needs vet care every year) and they paid all of it except my deductible. I have always gotten this type of service with Petplan. I would never go anywhere else for my pet insurance needs and I always tell my friends to go with them.