This is my second year with PetPlan. I've never regretted getting pet insurance and particularly with them because their policy is more comprehensive covering both genetic and chronic conditions. My Beagle, CJ has an issue with these growths on her skin and has to have them removed because she licks them when they begin to irritate her and it causes them to bleed. PetPlan has paid quickly on all my claims and their online interface allows me to easily and quickly keep tabs on my claim status. CJ has also developed Thyroid problems (hypothyroid) and PetPlan has been great with these claims as well.