We rescued our Chihuahua-Terrier when she was 8 months, and researched insurance immediately not knowing what ailments lay ahead. Petplan's reputation with local vets and menu of services let us match coverage to our budget, and we've just renewed for the 8th year. Mahi wrenched her back in 2014, and this year needed MPL surgery on a back leg. Petplan's website is easy to navigate, forms and instructions clear, for owners as well as care providers. They confirmed claim receipt immediately, kept us informed throughout the process, and paid claims within 2-3 weeks - the final claim for PT within 5 days! I suspect Petplan's staff are fellow pet owners, they are that responsive when we call. With rising vet costs, especially in the San Francisco area, Petplan is as critical to Mahi's future as her Vet.