I have to say - I really thought that Petplan would find an excuse not to cover my dogs hospital bills after being insured with them -seriously - since January. Scooter was a rescue dog and had a few issues when he was first found and looking for a good home. I thought Petplan would say that his issue was pre existing because we only had the policy for 3 months - $25 a month and here it was over a $1000 bill. But they were prompt and reimbursed us for the hospital even before my credit card bill was due. I could not recommend them more. Thank you Petplan!!!