After spending $3000 on our dog before he was a year old, we decided insurance was a must for this dog-who-eats-everything. Luckily, we didn't have to utilize our insurance for two years. However, over Christmas, Louie started throwing up and having bloody liquid stools. Knowing I was covered under PetPlan, I had no hesitation in taking him straight to the vet. In the past, it had always been a huge financial decision as to whether or not to "wait it out" or get potentially expensive diagnostic testing. Now, I love having the peace of mind to say "Do what you need to do to help him" knowing I'll be reimbursed.
The vet was able to find out quickly that Louie was suffering from hemorrhagic gastroenteritis. This is a somewhat common ailment that comes on quick, and is difficult to identify without a specific blood test. The treatment is easy, but if left untreated in a dog as small as Louie, it can lead to death rapidly. I'm so glad I had no hesitation to get him seen and treated. The treatment only ended up being just shy of $700, but around Christmas every penny counts.
The reimbursement process was easy to do from the PetPlan app, and I got the checks quickly. Would highly recommend!
The only thing that would improve PetPlan insurance is if they would also offer coverage for yearly exams/maintenance. I have yet to find a plan that does this though.