At four months of age I got Petplan for my Ragdoll kitten. Six weeks later the vet examined him after he displayed unusual behavior and immediately referred him to a cardiologist. Naturally I was stunned by the sudden need to see a specialist.
The Petplan representative literally (well, figuratively, actually) took my hand and guided me through the process so that I could get the care done quickly without worrying about anything.
In the end, he turned out to be fine - and the both the vet and specialist told me that it was a learning experience and, lets just say the kitten has an unusual behavior (which would otherwise indicate a health issue).
I faxed everything as directed and the reimbursement came very fast. I was so impressed that when I got another kitten for a playmate the first thing I did was get a plan for her.