My Cairn Terrier Toto was diagnosed with Diabetes. At age 6 I thought PetPlan would not except my request but, they did. Even though he had a pre existing condition I was able to get insurance anyway. Over the course of the following 6 1/2 years Toto had knee surgery on both legs, 3 bouts of pancreatitis, a stroke and the last 6 weeks had an MRI, CAT Scan, many hospital stays lasting a week. He finally succumbed to pneumonia at age 12. Never once was I denied coverage even though bills were well over $15,000. If it wasn't for PetPlan and a wonderful doctor I was able to have another 6 more years with the most wonderful little dog that I miss so much. They paid the bills so quickly and the customer service folks are friendly and helpful. When Toto passed away I actually got a phone asking how I was and the check is on its way. I can't say enough about them. There is a plan for everyone and the site is easy to use. I recommend PetPlan to everyone.