until I received the checks (or should I say checks!) Truly I was skeptical because nothing is ever as good as it advertizes to be but PetPlan absolutely is. My dog needed a hip replacement and as far as I know, PetPlan is the only pet insurer that covers it. Every time I call they are always very informed and professional. I would recommend them (and I do) to every pet owner I know. In fact, I tell non-pet owners about them too.