Kudos to Pet Plans. In spite of a policy requiring 2 years of medical history for my pet before payment of a claim, they waved this requirement to promptly cover an ER visit; one which resulted in the removal of a foreign body from his stomach. Pet Plans paid $2300.00 of the $2400.00 bill. They did not argue with my decision to take my beloved dog to the nearest after-hours, full-service hospital or the decision of the doctors there to operate on him the next morning. He was my very sick companion who has now been returned to excellent health as a result of prompt remedial action. Pet Plans reduced the enormous stress I experienced as a result of its no-hassle coverage of his care.