I purchased the best policy Petplan has to offer, the Gold policy. I have a beatuiful, healthy Yorkie named Harlie. Shortly after the policy was in full force, she wondered into a fire ant bed and got bit. We didn't know what was wrong with her, she was rubbing her face on the carpet and shaking her head. We gave her a bath and she just wasn't acting normal. We took her to the vet and he gave her some antihistamine and she was fine. I submitted the claim and they denied payment saying it was a preexisting condition because they had no prior medical records on her. Needless to say, I fired them on the spot and exercised the " money back satisfaction guarantee". What a joke...it's pro rated.