I had insurance coverage with another carrier for a couple of years. I signed up with PetPlan USA and its the smartest decision I have ever made when it comes to insuring my pets. They are top notch in service and the coverage is outstanding. I recently had my coco who became ill suddenly. I called my vet who saw us immediately. They took care of coco and after several hours she was stabilized with a diagnosis of pancreatitis. When it was time to take coco home I knew the bill would be very high. I submitted my claim to Pet Plan and was ecstatic. They paid the entire claim and I received a letter hoping that coco was feeling better! I have been with Pet Plan for several years and I would only recommend this company. My prior company would never cover anything and it was always a sending a claim. Thank you Pet Plan!