I got PetPlan for my 3 year old female Chocolate Labrador approx. 15 months ago and had to file two claims (each about $900.00!!) within the first year. Both times she had made bad food choices. First she had to have a spoon removed from her stomach, then she ate Christmas Tree ornaments made of salt dough. I was very concerned that PetPlan might decline the second claim but both times they were just fantastic and reimbursed the total amount (minus $50.00 co-pay). I am so glad that I got my furry companion covered!