Since I already have it, I'm very glad that I do. My dog was unfortunately diagnosed with Lymphoma and PetPlan has been extremely timely in both reviewing and reimbursing our claims- much faster than what they advertise. I like the app and the website although it's difficult to submit your own medical records if they're lengthy. I have never worried about PetPlan reimbursing my claims, which is great. However I'm very disappointed in their underwriter switch; the cost of premiums increased while coverage decreased. I know I have a reliable company for my 2 dogs and while I would praise them to other pet owners looking for solid companies, I can't say I would ever recommend them to a new pet owner due to the underwriter switch.