Our pup was diagnosed with an aggressive cancer. We're upset about it, of course, but at least having this insurance kept us from having to make more difficult decisions. He had an emergency surgery to remove his spleen, has chemo upcoming, and spent nearly a week in the ICU at the local animal hospital. I knew the bill would be big by choosing the best options, but with the insurance I didn't have to worry about the cost as I would have otherwise. Reimbursement checks were fast, and out of nearly $5,000 in expenses, they only mis-categorized about $20 worth. My questions have always been addressed quickly and professionally. I definitely recommend having insurance, and PetPlan coverage includes complementary medicines - useful for the chinese herb/mushrooms that are highly recommended even by my vets for this condition.