Recently had bowel issues with my 1.5 year old Chihuahua mix dog- needed X-rays, Enema, antibiotics, Boarding, etc. Pet plan kept their end of the promise of coverage for my pet. 90%, minus the deductible, minus the additional preventative drugs given at time of visit (Deworming etc.) at the end of the day covered over half the bill. Definitely worth having insurance!
make sure to send all necessary Vet records prior to the claim to expedite the process.
If you are looking to pay the bare minimum after a claim I highly suggest to decrease the deductible and set to 100% coverage, otherwise don't complain!