My 4 month old puppy got very sick on a weekend and I had to take him to the Emergency Vet who later transferred him to a Specialty Vet. Of course, I was very worried about him, so let them do all the tests they thought necessary. Only later did I think about the tremendous costs. Not having had Pet insurance before, I was not sure if this PetPlan policy would really help. When I got ready to file, I called and a nice lady walked me through the process and seemed very concerned that my puppy would be OK. Just a few days later, I received a check from PetPlan. This certainly seems like a very good company.