One of my dogs recently suffered temporary paralysis from a spinal cord injury. Having PetPlan insurance gave me great peace of mind as I started shelling out thousands of dollars for treatment. The claim was paid quickly and without issue. I've had this insurance for 7 years now and have filed multiple (smaller) claims on two different dogs, never had any problems. Their customer service is excellent and I feel that I can trust them to follow through on their promises regarding what they cover (and how much). The premiums seem to be a bit higher than other insurance plans, but there is a reason - PetPlan covers more conditions and treatment and pays more on what they cover.