I've had PetPlan insurance since my dog was a pup (about 4+ years now). About 9 months ago she started having bowel trouble so I had her seen (diagnosis was that she was allergic to food). After trying many different foods, she had gained about 20 lbs, was still having trouble, very sluggish, her hair was falling out & her skin turning black. To top it off, she had started limping on her front leg. I took her to a different vet who immediately saw that she had hypothyroidism & arthritis in her front leg. Many appointments and an orthopedic specialist later, I have my happy, fluffy pup back. I am so glad I had PetPlan who were very good about paying each of the many claims I sent promptly. They did end up raising my rate but I understand that since her conditions are on-going. It's still very much worth it to me to have PetPlan. They are great!