I have had pet insurance since 2013 on my Bichon Frise/ Shih Tzu dog. He is 6 years old and has been in perfect health since we got him as a puppy. He came down with gastritis and pancreatitis. It was so sad and he spent almost 3 full days in a per hospital.Pet Plan was very helpful. I called to ask them questions about coverage 2 separate times. Everything was covered and they got me a refund check in 2 weeks.