Unfortunately my dog Keoki has had a few big emergencies in his little life. I am unbelievably grateful that I acquired Petplan when he was a puppy. I did a TON of research and this plan has been the best investment thus far. With Petplan I receive I am covered, the agents are great and thorough and my reimbursements come quickly. I highly, highly recommend this plan to anyone looking for pet insurance. My dog got so sick a few years ago his vet bill was almost $4000.00 and I got almost everything reimbursed. This is by far the best pet insurance in my experience. Run don't walk to purchase this. Take it from me and Keoki. With Petplan I feel covered.