I was hesitant about enrolling in pet insurance because of all of the negative comments I had heard about coverage and claims payment (pet insurance in general, not Pet Plan). I heard good things about Pet Plan so decided to give it a try. I'm so glad I did. My dogs are getting older and are starting to need more and more medical care. My dogs have some pre-existing conditions, so of course those aren't covered (I'm not aware of any pet insurance that covers pre-existing conditions). However, Pet Plan has not hesitated to pay a claim once the appropriate paperwork is submitted. I would recommend them unconditionally.