First of all, I was amazed to find such an affordable pet insurance program for my Lab mix, Sebastian. He just turned 10 and Pet Plan was one of the only policies I found that would even insure him. What a blessing that turned out to be. This is a fantastic company who backs up their product and claims. When it came time to file a claim, the instructions were very clear on what we needed to do. As such, our claim was taken care of immediately with no hassles. Since he is getting older now too, it is nice to know that Pet Plan will cover hereditary and congenital conditions, as well as provide "coverage for life" for any condition. This is the most comprehensive and easy to use pet insurance I have ever encountered and I highly recommend it. We have only had our coverage for about a month and a half and already it has saved us around $900 for a dislocated toe and complications arising from it.