I worked with Mike Forget (pronounced 4 jay) at PetPlan. I got outstanding coverage, immediately, simply and without hassle. I chose to auto pay once a year on my American Express. They send an email notification well in advance of the payment. The coverage is very inexpensive and while I hope never to use it, I feel it is comprehensive. I was referred by a friend who has been really pleased with their petplan coverage and had done tons of research. One additional perk, they are sending me a 25 dollar prepaid credit card-hadnt expected that!