Please don't waste your money with this plan unless you have a new puppy!! Petplan has rejected a legitimate claim for my Oliver, a Doxie, for a new health issue. They've told me that it's pre-existing. Apparently, Petplan doesn't staff competent vets to make decisions. His skin problem is a new issue for him. It's totally unrelated to his ear infections. I guess everything is pre- existing since it's quite obvious they don't want to reimburse me, just suck out my monthly payment. It seems they only cover something catastrophic or new puppies.