Just recently I lost my dog due to an unknown illness. The entire situation was tragic. My dog was fine before a long routine walk and then 16 hours later she passed away. We have been heartbroken. Well, I had insurance through petplan and called to cancel the insurance for my dog. When I called and told the guy what happened he expressed deep concern and recommended that I make a claim. I was not even aware that I could even make a claim on a deceased dog, but I did and sure enough I was reimbursed. I also received a card in the mail that was very sweet. They were very understanding during this whole situation. I am more than impressed with them and their professionalism. I would highly recommend them. Oh and they cover congenital conditions. Most other insurance companies do not. I was screwed by another insurance company with my other dog when they would not accept a claim for my dogs patellar luxation. Poor thing had bilateral knee surgery and I had to pay out of pocket. I won't mention the insurance company that was horrible to me, but I will tell you petplan is the way to go!