PetPlan was very quick to start charging me even though they wouldn't insure my cat. He's a stray from the SPCA and they needed additional information before he could be covered. They should not be allowed to charge for a policy until the policy can actually cover your pet. I've heard this is a common insurance scam. Buyer beware. On the plus side, they have an iphone app so it only took 2 months of being charged before I discovered that my cat wasn't covered. On the plus side, they had a good rate for the non-coverage.