I'll be renewing my Petplan policy for my 1-yr-old dog this spring, because they honored my claims when my other dog, an 11-yr-old, got cancer. She'd been insured with Pet Plan less than a year. She died of pleural effusion (fluid in her chest cavity), most likely due to mesothelioma (a kind of cancer). I thought they'd try to welsh on it because she'd had a cough off and on for a few years before she got sick.
My vets were certain there was no connection, and I was really pleased that Pet Plan didn't challenge the claim. I received a check for the entire amount due me, as per the plan I signed up for. (I did send them info that the dog had died just before the claim was approved.)
One small complaint: I included information that the dog had died on the 3rd and last claim form I submitted. However, I still got the form letter letter with the claim wishing that my dog would "soon be on her paws." Ouch!