I have had my insurance through PetPlan for at least 7 years. A while back we almost filed a claim to do a Doggie MRI of the back based on what the VCA doctor told us but we later found out that doctor gave us bad advice. I bring this up because PetPlan gave me a pre-auth and they were going to charge the procedure to their credit card so I would not have to come up with the expenses. This time Coco ruptured her ACL and need an operation that cost just under 5K. PetPlan reviewed everything and without hesitation they covered everything minus my deductible. The claim process was easy and their customer service was top notch. I could not ask for better and if you are looking for the best pet insurance you can stop right here!