We had PetPlan for years, zero claims (not that it matters). Our dog is about 10 - 11 years old now. Premiums have been steadily climbing with his age, from about $350 annually to $850 last year. We expected maybe another $200 increase this go around.
Well, we just received a "generous" renewal offer: $1985/year (!) with a higher (2x) deductible and a lower reimbursement rate. Apparently, PetPlan has a new underwriter and this is the result. Given the age of our dog, I doubt we have any good options.
Short summary: good for younger dogs, but don't expect PetPlan to have your back when you need them the most.