I have been a Petplan customer for a number of years since adopting my first dog and have never needed to use it. In January of this year after rescuing our second 3 year old dog we signed her up as well. We never wanted to have the cost of her vet bills to obstruct our ability to care for her. Within months of having her, we soon found her losing more and more weight until she was nothing but bones. After many vet visits, lab work and exams, she was diagnosed with exocrine pancreatic insufficiency, a life long disease of malabsorption. She will now be on very expensive medications for the rest of her life ($150/bottle!!) We received a fair reimbursement and prompt service. I recommend this company to all of my fellow pet parents! Gracie has regained 10 of the 15 lbs she needs and is as happy as can be. Yay!!!