I adopted Chico and Babe when they were puppies from our local shelter, and immediately purchased PetPlan policies for them both. I hadn't done that in the past with my last dogs, and lived to deeply regret it.
My experience with PetPlan has been exceptional. They are responsive, straightforward, easy to talk with, and have a user-friendly website. I also appreciate that PetPlan is the ONLY pet insurance endorsed by the Humane Society of the United States.
When it turned out that Chico had a congenital defect - bone chips in his elbows - and needed double elbow surgery, I was able to get the pre-approval quickly, and was reimbursed for this $4000 surgery plus physical therapy post-surgically in less than a month.
I couldn't be happier, and now I wonder why everyone doesn't have PetPlan for their four-legged family members!