When Chumley was about 4 mos. old, he got into some kind of fungus/mushroom while we were out on a walk. He immediately went into respiratory distress, and we rushed him to our vet, who put him in an oxygen tent. While he seemed to recover just fine, we have since found, after x-rays, blood work and a cardiac ultrasound, that that incident has caused a kind of chronic asthma. This is the first time we've purchased pet insurance, but you can bet I'm glad we have it. We've submitted 4 claims thusfar, and PetPlan has paid all expenses after the initial deductible. Their website is also very informative and easy to use. You can check on the status of your claim any time, and they have paid very quickly -- within a week or two. They give great service, and I have recommended them to everyone I know who has gotten a new pet.