My Puggle is 4 years old and we have had PetPlan for a little over a year with no claims. Several months ago, he had a UTI and his prostate was enlarged. It was recommended that he be neutered. He was put on an antibiotic and the condition was resolved and the vet said that if it occurred again that he should definitely be neutered. I want to breed him so I am trying to avoid neutering. When he went in for his shots a week ago, I asked them to check his prostate. He was not having any symptoms but I wanted to keep an eye on it. The vet said the left side was slightly enlarged so I decided to neuter. Sent a pre-authorization to PetPlan; they denied it. Why? Their excuse was that the vet had recommended neutering several times before. This vet thinks every pet should be spayed/neutered and has told me my dog needs to be neutered at every vet visit since he was 8 weeks old...not because he had problems of any sort but because it's the vet's personal belief. The vet told me he needed neutered even when I took him in for an ear infection! Apparently, PetPlan interprets this as me not preventing the condition of an enlarged prostate; therefore, it's not covered. Why would I have my dog neutered if he was not having problems, especially, if I wanted to breed him? To top it off, customer service was rude. Needless to say, I'm done with PetPlan. There are legitimate pet insurance companies out there, but PetPlan isn't one of them.