I was with PCF for a few years before my dog died. She had a history of lumps (fatty deposits under the skin) that apparently are common with hounds. As a result there was a note that they wouldn't cover tumours. When I put in the claim for her medical, cremation and death benefit I was skeptical that I would get anything as the doctor's notes indicated that a "mass" was found in her abdomen that may or may not have contributed to the seizures leading to her death. It was only a couple of weeks after my vet faxed in all the paperwork that I found the money was already deposited into my account! They covered exactly the amounts the said they would up to the full limit of my plan. They even automatically cancelled the insurance policy and initiated a refund for what I had paid after the day of my dog's death.
I'm very pleasantly surprised and now that I have a new dog, am probably going to insure with them again.