Do not use Petplan they will not pay your valid claims. They refused to pay my claims for my dog's ear infection which required three visits to the vet. The total was over the deductible but they tried to say that it was separate incidents and didn't meet the deductible. Nope only one condition and the exam required by them because we were new to Petplan.I've paid hundreds in premiums but they have never paid out a cent on my claims. They make canceling the policy difficult and then try and keep the automatic billing going. DO NOT DO BUSINESS WITH THESE PEOPLE, there are other pet insurance companies that do not behave like this, and we are switching asap !