This was my first encounter with PetPlan, and I couldn't be more pleased. Livy is new to our house and we had no idea why shy was throwing up on and off for several days. Finally we took her to the vet and she was checked for obstructions (x-rays. She also had blood work. The doctor surmised she had a bad hairball; the x-rays showed a suspicious lump in her stomach. We treated her with hairball remedy and waited. A day or so later she threw up again, but this time it wasn't food but a hairball "baby." Disgusting, but I was very happy to see it. ;-) PetPlan reimbursed us almost in full and speedily! Thank you so much.