Purchase the insurance prior to getting our cat from a very reputable breeder. The animal had a one-in-a-million seizure and involuntary movement disorder. Petplan found every possible way to deny the claim. After cancelling with them 6 months later, prorated our payment for 6 months. When I purchased the insurance, it was top-tier, and I was very skeptical. I asked all the right questions, and was given all the right answers. I felt extremely comfortable with them. Until I put a claim in. Denied, denied, denied. If you are reading this review, walk away, save your money, you will thank me for it. Petplan is a scam. Furthermore, not once did they ask how are animal was doing.