Our dog was diagnosed with a heart condition last year and we are very lucky to have gotten this insurance when we got her as a pup. Having to go to the vet and seeing a cardiologist numerous times throughout the year gets expensive. Plus the daily 3 meds she has to take are very expensive. We have been filing at least 3 claims a month and I have never had an issue. We get back almost all of the money we pay up front and that is unbelievable. Any time I have had to call Petplan they have been nothing but friendly and helpful. Without Petplan we wouldn't have been able to get through this unfortunate circumstance.