I have been doing business with Petplan for about 7 years now and all I can say is I wish all insurance companies were like this one. I have 2 male dogs which are aspiring Kamikaze pilots and they seem to get injured more often than I would wish. Each time Petplan has been most reasonable about covering the related medical expenses which at times have been substantial (for example: full hip replacement). The claims process is fairly painless and they are the fastest to pay of any insurance company anywhere. I am also blessed to be able to deal with a "Happiness Manager" named Norma who repeatedly treats me and the boys as if we were her only clients. I have introduced a number of people to Petplan (and for that matter to pet insurance generally) and all are very pleased that I have done so.
Be careful when choosing an insurer. There are a number of cowboys in the business; a number who claim to be recommended by one of the animal welfare groups and another (large one) who has a schedule of charges which they will reimburse that must have last been updated in line with actual costs 20 years ago. you will have one of those headaches with Petplan.