I've had pet plan for almost two years. And when. Went to use it it was deny deny deny. They say they cover vet exam fees-they don't! They say they cover preventive care--and yet a rabies vaccination isn't covered and i don't know how else you can classify a rabies vaccination except as preventive!! My dog needed surgery on his knee two months after I got the policy only to find out knees aren't co rd'ed unit six months into the policy. So before renewing I asked if the other knee would be covered and they said yes so I renewed. And NO. It was not covered. It was excluded as a pre-existing condition. So you can't believe anything they say on there web site. They don't actually cover crap! You can't look up claim info on there web site. All it states is closed, which doesn't tell you if it was paid or denied. Denied most likely. Don't buy this insurance you will be sorry if you do. I sure am.