We have 3 animals insured with Pet Plan- one 5 y.o. lab and 2 cats both under the age of 3. Since all of them are young I expected to have at least a few years without any medical problems.........but no. Wally Whiskers developed feline cholangiohepatitis, unusual in such a young cat. He is now fine but the vet bills for imaging stuides and lab work were high. And now the lab has a sarcoma- unusual in a dog that age (the vet said "Really bad genes"). The only bright spot in all of this is that my pet insurance, Pet Plan, has done exactly what they said they would. Reimbursement has been relatively quick and absolutely correct. Claim submission is very easy. The service folks, who seem very knowledgable, are great. If only human medical insurance worked this well and was as straightforward!