In May I will have had PetPlan for a year--and I definitely will renew. My 1 1/2 year old Bichon Frise became very ill and required emergency surgery; she was in the hospital for almost a week. PetPlan paid 90% of the claim! I have the gold plan with a $200 deductible. The claims process was a lot easier than I thought it would be--and my claims processor, Colleen--as well as everyone else I spoke to--were fantastic. Their concern was with my dog first, and I can't tell you how much I appreciated it. I tell everyone I know about PetPlan (and one has already purchased a policy)!