Petplan is by far the best money I have spent in my life. I have had Petplan for a few years now, and last year our cat needed a (very costly) surgery that we couldn't have possibly have afforded on our own. Without the surgery, he would have needed to have been put down. Our dog also has several chronic problems, including food allergies, seasonal allergies, chronic skin issues, chronic ear infections... Petplan is peace of mind for me, and I will be a lifetime customer. It is the best investment I've made, and makes me feel great to know that I can care for my pets when they are ill. Their customer service is always friendly and helpful, and I have yet to have a check take more than 2 weeks to arrive from submission to arrival.