I have had coverage with PetPlan for about one year and a half. I am very happy with them. I have submitted several claims and never had a “surprise” with them. Their customer service is very polite and responsive (over phone and email), and the claims are processed as they should be (I never had claims denied or paid less than I expected).
Last year I adopted two cats from a rescue organization in the Washington DC area. While one of the cats (the oldest) is very healthy and so far has only needed routine care, the younger cat has had a few problems. First, last year the vet noticed severe gingivitis and suggested a cleaning and other tests (bloodwork, tissue biopsy, ultrasound) to rule out some “scary” possibilities (such as FIP). Everything came out ok but my kitty would require daily care (tooth brushing, special diet) and regular cleanings. The tests, the tooth cleaning (with general anesthesia) and the appointments added up to more than $1000. I submitted the claims and a few weeks later I had my check for exactly the amount I expected to receive.
A few months later, we took this cat for a veterinary dentist (specialist) for a cleaning and evaluation. I do not know what happened in the clinic, but when we got home and opened the carrier, my cat could not walk properly (had severe lameness) and seemed to be in pain. Having no idea what the problem was (she was in “perfect shape” when we dropped her at the clinic in the morning) or if the problem was relat