I had no idea what to expect as a couple friends ( using different carriers) had negative feelings on pet insurance. All I can say is thank goodness I didn't listen to them, and I've since referred them to PetPlan.
My 2 year old cat, Larry swallowed some elastic string and unfortunately it got pretty caught up in his intestine. I had no idea anything was wrong until he started throwing up and he couldn't even keep water down. I'm so thankful I didn't dismiss it to a hairball and I took him in right away! The xrays showed that emergency surgery was necessary
Thankfully all turned out OK. The vet and animal hospital submitted the paperwork without any issue and I was paid (minus my deductible) within 2 weeks. Had I not had insurance, this incident would have been a real hardship. The PetPlan folks were great! They followed up in a phone call just to see how Larry was doing.