When we got our yorkiepoo, who turned 3 years old this week,we were extremely happy. I had heard about health insurance for pet so I started to research. From everything I read, Petplan was the best so we purchased it within 2 months of taking "Rambo" home. After a year, Rambo started developing allergies which required us to bring him to a specialist. Thank God for the insurance. Due to the medication which required blood tests each time, the charge was approximately $800.00 each visit. Petplan paid for the 80%. (It would be 100% if it was our own Vet, but because it's a specialist, they cover 80%) Please know I don't complain about it being 80%. They are very fast at paying and anytime I have a question, their customer service is very helpful. I just talked with a friend who's long hair dachshaud swallowed the squeak out of his toy and it cost her $3000.00 for the operation. Thank you Petplan.