I can't speak for others, but our Pet Plan experience was a good one. When our beloved cat died last year, Pet Plan quickly paid for the very expensive hospital visits (we had a premium gold plan, thankfully). And when our cat died, Pet Plan reimbursed us the difference due on the existing premium. All in all, a good experience, one I highly recommend. When you need them, they show up. What else can I say? - David Sumner & Susan Stratton, Brooklyn NY.