We bought this insurance in November 2015. Three months later, our beloved kitty was diagnosed as having Chylothorax (an affliction necessitating expensive treatment and with a poor prognosis). PetPlan reimbursed all but $400 of his medical costs. This was out of roughly $12,000 in claims for "Ballou's" ER visits, major surgery, lab fees, GP and Specialist veterinarian billings. This is a 97% payout rate! PetPlan did not try minimize its payout obligation by excessively classifying vet billings as "Specialist". We'll definitely go with PetPlan for our next adopted kitty.