My pride and joy, Keiki (a 10 year old Cockapoo) has been insured through PetPlan for at least 5 years without any need for a claim. However, this last year Keiki became very sick and needed multiple expensive tests, a MRI, a surgery to remove her spleen and some 20 or so gall stones and a lot of medicine and after care. After meeting my reasonable $200 deductible, PetPlan promptly reimbursed every cent of our vet bills - more than $4,500 - without any issue or protest whatsoever. I am so grateful and amazed. My friends had always laughed at me for buying doggie insurance, but I am so glad that I did. I would recommend PetPlan to anyone.