With so many companies out there trying to constantly nickel and dime their customers, I was really afraid that I would run into the same thing with PetPlan. I WAS SO WRONG! This company is absolutely fantastic! My husband and I adopted our dog, Zoey, from a local no kill shelter when she was 5 weeks old. Her and her sisters were found in a cardboard box, in the middle of nowhere, on an abandoned well pad. When we got here she was miraculously in perfect health, but we decided to purchase pet insurance for her just in case anything happened to her. We are SO glad that we did that now!! 4 weeks later she came down with a severe case of Demodectic mange and over the last 7 months we have spent over $1100 in Vet bills to treat the mange! We sent in all of Zoey's medical records and bills from her office, and PetPlan paid us EVERYTHING that they said they would, WITH NO PROBLEMS! I just faxed everything into them, and just over a week later we got our reimbursement check. This is a GREAT company and my husband and I are SO glad that we invested in their Pet Insurance. When it comes time to renew our policy we are DEFINITELY renewing! This is a MUST for pet owners!