We've had PetPlan insurance for our beloved Roscoe, a 4 year old Labradoodle, for almost 4 years and they have been a gem. We have made two claims to date totaling over $2,500 and all we have had to pay was our deductible and 10% coinsurance. Roscoe's bout with HGE had him overnight 1 night at our vet hospital and his latest bout of gastroenteritis with a partial blockage in his small intestine had him overnight for 2 nights with X-rays and an ultrasound in addition to IV fluids and medications. You have no idea the peace of mind when you can say to your vet, "do whatever it takes to help him" knowing that you have PetPlan behind you. Our vet even submits the claims for us - I just sign the release of Roscoe's medical records and the rest is done for me. Its just been such a relief to have PetPlan - I can't say enough about them. If you are looking for a great insurer for your fur-babies, I highly recommend PetPlan.