I have had pet plan ever since I had my pug who is 2.5 years old. If it was not for pet plan I would have been paying over $2,900 in vet bills. My pug was recently diagnose with pancreatic swelling also know as pancreatitus which is extremely pain for the dog and need to be monitored by vet very closely since it could lead to death. I took my pug to the vet with no hesitation but the bill came out to $400 plus a whooping $2500 for hospitalization total of $2,900. Since I have the bronze package(covers up to $8000 per year) from pet plan with a $100 dollar deductible and 100% reimbursement I got back a check with in a week for $2,800! If you have a pet get this insurance you will not regret it. The claim forms are very easy and all you need to do is have the vet sign a sheet and fax that along with the bill. The only downside to this plan is that you have to pay the bills upfront and you will get reimbursed by the plan. If you don't have all the money upfront to pay your vet you may need to work out a plan with them or put it on a credit card.