Our Newf was only 4 months old when she developed a UTI which had us at the local Emergency Clinic at 3 am. After correcting the initial problem, we followed up with our regular vet and additional medications were dispensed. Upon submitting our claim to PetPlan, we were initially turned down because, according to PetPlan, the UTI was a preexisting condition. The mixup was the use of the term puppy vaginitis in an earlier visit to our vet which was misread as a UTI by PetPlan. It took several calls with PetPlan and a two clarifying letters from our vet to clear up the problem. PetPlan held a board and our claim was eventually approved. Since then, they have responded to three more claims promptly and courteously. We are now very satisfied with their claims process and will renew our plan when it expires in Feb.