I write few reviews because I only comment when I come upon something exceptional. My lab/doxie mix had a high fever and wouldn't eat or drink. Turns out, Ladybug had an infection from a tick bite but before we figured it out, over $2,000 in tests were run. I just received a check for exactly what PetPlan said I'd get when I first signed up. After the $200 deductible per incident, I got 80% of my bill. I am thrilled beyond belief and quite relieved. I highly recommend PetPlan to pet parents.