We have had 8 policies with Petplan since Aug.2010. We have had to use 3 of these policies, and 1 was extremely hard to get re-imbursed for, and the other they are trying to NOT pay also. Our dogs get titer testing for immunity levels, NOT YEARLY vaccines as they want. Petplan will look for any loop-hole to deny a claim...Buyer beware. Will cancel these policies and go back to Petfirst Healthcare,(which we had great service from) once this last claim is settled.