I have had PETPLAN for 5 years with my three Golden Retrievers. My oldest Golden was diagnosed with Lymphocytic Leukemia...Pet Plan paid every penny of her year long treatments, after my $200 deductible. When she eventually passed away PetPlan called to tell us how sorry they were and asked what else they could do to help us through our pain! Amazing the kindness these people show to you. My other Goldens have dyplasia in legs and feet and my experience has been the same with payments on the many invoices I send in to them. Their customer service people are the best I have encountered in any business I have dealt with! PetPlan gives me the piece of mind knowing that what ever we encounter, with our 4 legged Kids, it will be covered.