I have had Petplan for my German shepard. He was diagnosed with hip displasia and had surgery.
Petplan response: Even though his initial check when I got the insurance showed now issue, they argued this was preexisting and made me submit and resubmit the same documents over and over.
Second incident: Skin infection.
Petplan response: He had a hotspot dating 7 months prior that caused this infection, thereby making it preexisting.
All in all, I was our several thousand dollars, plus my time and frustration to deal with their worthless coverage.