My affenpinscher, Taz, is nearly 12 years old. He has had his share of physical problems. Taz has been insured with Petshealth for many years now, after switching over from another pet insurance plan (on a testimonial from an acquaintance). Over the years, Petshealth has been fair and prompt in claims processing. We haven't always needed the insurance, but are glad to have it when we need it. It helps ease the financial burden of a pet who seems to need a lot of attention.
Taz contracted Lyme's disease in 2010, and because the illness crossed policy periods, my claim was denied. I wrote an appeal, and the appeals board graciously reviewed my appeal, considered my arguments, and agreed to honor the claim. I was not very happy when my claim was denied, but am satisfied that they honestly took a second look.