My dog started breaking out in sores all over his skin. After many vet visits and tests a dermatologist finally diagnosed him with an autoimmune disorder that will require lifetime care. In 3 months I spent over $4,000. Knowing I have insurance to cover his care takes a huge burden off me. I don't have to think twice when the vet recommends another medication or blood test. I can afford to provide my dog the best vet care. Reimbursement checks usually arrive within 2 weeks. My vet files the claim for me so there's no added paperwork for me. PetPlan reimburses based on the actual vet charges, not a schedule of benefits that doesn't come close to reality. The deductible is per disease so I only had to meet it once and all follow ups for his skin disease are covered in full. I chose the $100 deductible with 100% reimbursement. Premiums are much cheaper with a higher deductible vs a lower reimbursement. Their premiums were in line with the other top insurance plans. My only complaint is that they only reimburse specialists at 80% regardless of which level coverage you choose.