I chose PetPlan after researching several options. PetPlan covers the vet consultation cost, which the next best plan did not. My dachshund mix managed to get the safety seal off a box of dark chocolate and ate about 6 oz, which is a lot. When I got home his heart was racing and he was trembling non-stop. He had to spend the night at the animal hospital. PetPlan covered the claim quickly, with no hassle, according to my policy. Also Melissa D was so helpful, answering all my questions. My dog recovered fully - he had eaten a potentially fatal amount, so I'm glad I rushed him to the vet. I do my best to make sure he stays healthy and safe, but knowing I have PetPlan is reassuring.