I had other pet insurance. Our dog, Angus, ate a Hibiscus flower which apparently is toxic to dogs. The bill came to $591. I found out the hard way that my insurance does not cover the diagnostic part of the emergency cost. Not a big deal but there is a principal here. My son recommended PetPlan so I signed up since the cost is about the same and PetPlan does cover that fee. I chatted with Jenny and she took my son's email address and committed to send him a $25 Amazon card for the referral. No claims yet with PetPlan and hopefully wont have any claims, but I feel comfortable with them already.