We adopted our puppy at 8 weeks of age. Right away we signed up for Pet Insurance. He has turned out to have a slew of problems, and PetPlan has fought us tooth and nail. So far we've seen $80 from them out of probably $5000 worth of bills. Every day there are new excuses. They claim not to have vet records, despite the fact that we have discussed the exact records they claim not to have over the phone. They claim to be no hassle, but it is a flat out lie. I got Pet Insurance so I could take care of my dog, but I'm reaching the point where I'll probably have to put him down since I can't afford to pay the vet bills.