Pet plan is my first experience with pet insurance and I am very pleasantly surprised. They pay claims quickly, they have wonderful customer service and they pay based on the full claim amount. The only difficulty I have encountered is that occasionally it takes awhile to coordinate the necessary claim information between the vet and pet plan. Otherwise, I have found them to be wonderful. They even paid more than I expected on my claim for my kitty who recently passed away. I asked about it and they said they are all pet lovers and often don't subject the policy holder to a new deductible in that situation. Really kind and I appreciate it. Thank you, pet plan. I have the silver plan. $200 deductible, 100 % coverage.