I have two dogs, both of which have had multiple claims submitted due to illness and unfortunate mishaps. PetPlan has been the best pet insurer I have come across over my years of pet guardianship. Out of our multiple claims, only one has ever been denied and that was due to an error in the reading of medical history on their part. When I disputed this, PetPlan's customer service was extremely helpful in guiding me through the appeals process, and I was most shocked when upon re-review the appeal was decided in my favour and reimbursement was made. This is the only pet insurer I have come across that actually does seem to care, and isn't just collecting premiums with every gotchya in the book to avoid having to ever reimburse a veterinary bill. I recommend this insurance to all my friends that have pets, and they too have had similar positive experiences. AAA+!!