I have been with PetPlan for several years, but will not be renewing with my next cycle. I have a golden retriever active in the hunt test competition world, and as such, has an occasional injury that requires treatment and a claim. PetPlan fights me at every turn...they lose documents, request repeated submissions of paperwork, then they deny payment on what is clearly a continuation of an existing claim. However, there single worst attribute is the fact that each incident requires a deductible...one of the reasons they LOVE to deny continuing claims. If you have the need for occasional claims like we do, look elsewhere for your coverage. Oh and not to mention they say they will cover "alternative therapy"...good luck with that one because they only cover it if it takes place in a veterinary clinic, and it is now very common for canine physical therapy to take place in your home!!!