People avoid this company! I filled a claim and had to submit it 3 times the vets office also submit it 3 time via fax. Petplan would say they never received it. I spoke with their reps as well as my vet to make a long story short we where given a runaround for months. When I was sold the policy and asked direct question about coverage I was lied to. When I tried to get an explanation I was given the answer we'll get back to you. Save your time and money go elsewhere. I had 24 hour pet watch before and they where great. Silly me I never should of left .UI hope this saves other time ,money and endless frustration.