We chose pet plan believing that it had the best coverage for the best value. We specifically reviewed this website and saw what a high rating they had. Come to find out when one of our dogs was injured they wouldn't cover any of the $4000 in costs. They are secretive about exclusions and initial exam requirements and still denied our claim even after providing vet records and a vet letter proving that our dog's injury was within the coverage terms. After talking more closely with our vet we were told this sort of thing happens with these companies all of the time and it's better to start a savings account and simply put the money away to prepare for emergency vet costs. After my experience with this company I strongly agree! Don't don't don't go with this company. They won't provide the coverage they promise!