Extremely terrible experience when filing claim. Their App which is the only way you can interact with them is just not working. I filed claims weeks back and now they are disappeared. Read all recent reviews then you will know this company is not the same as it used to be and personally would go to lawyers to get your money back. This insurance company is feeling like a scam now. Edit: Surprisingly after a while claim was handled and was approved. Revise to 3 stars. Still the process is really bad, the buggy app does not help. read more

Do not get sucked in to this SCAM. This company will not pay claims without a fight. They will not let you cancel without a fight and if you cancel after they bill you, they will not prorated like all insurance companies. They will increase your rates at will without notifying you. They CANNOT be trusted read more

Dishonest, lying, cheating thieves. First, they raise your premium every year even if you don't submit a claim. Next when you do try to submit a claim, their automated web app is broken. Then you call them and they tell you to email in scans of the paperwork. After 3 emails in which they claim they can't read it they final say they can process it. Then you get back maybe 10% of what you're actually supposed to get. Lastly, I cancelled my policy 1 day after I paid a 80 dollar monthly premium and was refunded $6. I can the hear the words now after you have a bad experience "I told you so" my recommendation, don't even bother. FYI signed up with ASPCA pet insurance, little more money but worth it. Already had my first claim. It was processed quickly and fairly. Exactly in terms with the policy purchased. read more

Petplan Pet Insurance - North America is trying to scam me. My dog had an issue and they are trying to tell me it's a preexisting condition because he hasn't had a physical within six months from his policy date. I argued that he has been seen six months before the policy date, and I have the documents to prove it. It happens to fall on the exact date of the policy's inception date. But, it's still valid. I can see the policy inception date on my end when I'm arguing this point. Well low and behold I check my account today and the inception date is CHANGED on their end. Too bad for them I took a screen shot of the original inception date that was on THEIR website. Picture 1) Original inception date Picture 2) His puppy physical date (In the notes the doctor wrote the wrong date, but see in the highlighted spots that it has the correct date in TWO spots) Picture 3) Their CHANGE on their website regarding my policy inception date. Shady no? Why change the date if you're not in the wrong? Pet plan. This is not right. Make it right! read more

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I would not recommend Petplan to anyone. I have Nationwide Wellness Plan for the same pet and never had any issues with claims for the last 3 years. I would given a 0 if I had the option to. I did extensive research before signing up my pet for this insurance. Had it for 3 years and ran into problems the first time I tried to use it. 1) They just want the payments and will try to not pay your claim at any slightest pretext. 2) They want 2 years of medical history from all your vets to consider any claims. I submitted an invoice by a Vet emergency room and they didn't accept it stating it is not a final invoice (it clearly says I paid the entire amount.). I made multiple calls and mentioned it was the only invoice I had. They said they will look into it and never got back it to me. It has been 2 months and it took another phone call from me to find that they will not accept the invoice. read more

Petplan Pet Insurance - Clearly says how much I have paid - Pet Insurance Near Me

Petplan continues to be a joke. They denied 2 claims because my dog vomited in the past 12 months. According to them, its a curable condition and the cause of the vomiting doesnt matter. SO for the claim to be covered, he can not vomit for 12 months. What kind of insurance company is this? I have filed 4 claims since March, and not 1 has been covered. Why am I paying $150 a month for this BS insurance? I am calling to cancel this policy in the morning. read more

I wish I could give this a zero. Don't go with them, go with healthy paws. I cannot believe the hoops they are jumping through to deny our claim for our dog, I thought I'd seen ever kind of predatory insurance activity, but oh boy, they are really doing their best to outdo everyone else for horribleness. Every claim we have submitted to them has been a horrible horrible approval process. Right now, we're going through the absolute ringer. We have had the worst treatment from both the insurance company and the two customer service representatives (supervisors) Don and Jordan. To start things off, Don raised his voice and yelled at me within 30 seconds of the call, an experience I've never had. Here are the details of the horrible experience we've had: We have a two year old pup. When we signed up for insurance we had a brief waiting period. During this time, our dog became very constipated, and we brought her in for treatment. Fast forward 1.5 years, and our dog becomes extremely lethargic, vomits and poops blood, won't eat or drink water. We bring her to the vet and have a $1,500 bill. Petplan denies it, saying that she presented with the same symptoms (vomiting and diarrhea) which *are not true* we brought her in for constipation. They say this is a pre-existing condition. We say she had completely difference diagnoses but they repeatedly say they don't care about diagnosis, just symptoms and now vomiting and diarrhea is a pre-existing condition. After two denials, and two phone calls I point out to them that I brought up the doctors notes and actually she was constipated the first time, and have 5 other symptoms that are different, shouldn't this be approved because they are different symptoms and all they care about are symptoms? They go 'no, we can about diagnosis now.' So I say the diagnosis is different. Now they say 'well, we care that they're related.' So they have decided to act as doctors and say they are related. Meanwhile, they told me to reach out to my vet to have them to have them write a note about symptoms being different, but that was just a set up for them to deny on a different thing. Somehow I got ahead of their next denial. I have healthy paws for our other dog and the differences could not be more stark. Healthy paws has never denied for bs reasons like this, after an episode where my dog got really sick they called later to see if he was ok! And instead I have Supervisors Don and Jordan being incredibly demeaning, playing dumb, and even yelling at me. It sounds like they record all of their calls, if anyone at the company wants to hear Don being inappropriate they should listen to his transcripts from 8.16.22. read more

I found the solution to the healthcare crisis. Health insurance needs to use the Petplan model. Car insurance should follow suit. Seriously our puppy would not still be kickin' if we did not have Pet Insurance. It's a great feeling to not have to worry about the $ and concentrate on his care. The freedom to make choices without considering cost. The ability to save for a wedding while Zuul is sick. So anyway I'm totally sold on it. Wouldn't leave home without it. If you're considering it just pull the trigger. read more

Petplan Pet Insurance - Pet Insurance Near Me

PETPLAN ROCKS! I will sing about Petplan to anyone who will listen. My dog passed away last year and I say with utmost confidence that Petplan allowed me to give my dog the best quality of healthcare and life possible. My dog started having a bunch of age related issues and Petplan paid out close to $30k in the last couple years of his life. He had kidney disease and mitral valve disease that later progressed to heart failure, requiring medication and frequent evaluations. He also had spine degeneration that required frequent physical therapy. He also had a couple of accidents in between when he was younger: one incident requiring a cap on his tooth and a suspected fractured foot (it ended up being only a sprain), all covered by Petplan. I felt like a complete BALLER when vets discuss treatments and fees and I can say that money isn't an issue. I don't get anxiety when handing over my credit card to pay for treatments because I know I will get reimbursed. I've had zero issues with them paying out my claims and the app makes it so quick and easy to file claims, especially in our case where many have to be made (about once a week!). Checks have reliably come within 1-2 weeks depending on how swamped they are and understandably longer during times of natural disasters. During the few times I've called the service center with questions, staff have always been pleasant to talk to. They've covered everything included in the policy documents such as medications, acupuncture, chiropractic treatment, physical therapy, hospitalizations, etc etc. I swear his health care plan is better than most people insurance! I've even had cases where they have reimbursed me more than I've claimed due to me missing something on the invoice or not including something because I didn't think it was claimable! The only caveat and issue that I've seen people run into is pre-existing health conditions (verifiable through recent health exam/med records). That's why you have to purchase insurance while they are younger and healthier. It makes sense. You can't purchase car insurance after getting into a wreck and expecting them to pay for damages. Even up until recently that was the case for human health insurance until Obamacare came around! Unfortunately Obamacare doesn't apply to pet insurance :( Luckily, I've watched enough pet ER shows on Animal Planet when I was young to know that accidents can set people back a good amount or even have to make unspeakable decisions. I bought insurance in case of accidents and emergencies, not even thinking long term that my dog would be susceptible to aging issues, but it has been a life saver. I don't have to ever think about finances when it comes to making treatment decisions for my dog and it has enabled us to give him the best health care possible. No one buys insurance wanting to have to use it, but is awesome to have in case you do. Dealing with an ill pet is stressful enough, and I'm glad that I don't have to deal with additional financial stress. I've had to spend a lot of time waiting in the vet hospital lobby and I've seen enough people saying they wish they had gotten insurance. Getting a Petplan policy has been one of the best decisions I've ever made in my life. Even after my dog's passing with no plan to get another companion possibly ever again, I still praise about Petplan. THANK YOU PET PLAN! read more

DO NOT GET THIS INSURANCE. It's a total scam. We moved States and they switched our policy plan - on the phone I was told I'm going from paying $36 /month (roughly) to $42/month. Fair enough. I get billed $70.09 because it was never explained to me over the phone NOR in writing that I had to complete the difference of the 4 months remaining of the calendar year. That almost double than what was told to me. It's a mistake I have to take even though I felt lied to because the call rep didn't fully explain this. My husband called as the primary account holder and then another representative said it was a billing error and that they'll refund us AND the bill will be $47. OKAY. Few days Later (Today). No refund was processed, and on the app, I was still charged $70.09 last month and next month 9/18 is $140. Yes ONE HUNDRED AND FORTY. They said it's their fault, that no one is allowed to issue refunds, and that people make mistakes. Yes, people make mistakes, but loyal customers aren't typically the ones paying for them. read more

I've had PetPlan health insurance for several years. My experience with them in the beginning was fair. I felt that for what I was paying annually, it was worth it. They changed underwriters last year and introduced very expensive plans into the equation. My cats are older, so I just gave in. Now, it's time to renew again. For the same Coverage, they are charging me $700 More per year for one cat, and for the other, won't even give me the same amount of coverage that I had last year, "After a careful review of my account." The bottom line is this- if you're stuck like me, have older pets with conditions, then this is where you have to stay. I wouldn't use them again as a new customer. They're awful now. I don't know how they sleep at night. They take full advantage in knowing that they have some people in a bind. read more

We purchased insurance for 2 dogs 5 years ago. Doing business with this company was a nightmare. We never had a claim and our fees doubled in 3 years. Once we canceled the insurance PetPlan attempted to bill my credit card under PetPlan or Fetch for over a year. I was also verbally belittled by customer service when canceling. It's becoming a nightmare. Beware bad business practices. read more

This company is a fraud They are deceitful They do not send any notifications of monthly charges and or renewals No email reminders, no paper statements They offer noting Do not waste your time and or money with this company They took $4,404.58 even after my animal died read more

Do NOT use this company as they do not stand behind their service. It is almost impossible to get a live person on the telephone. If you are able to, the representative will be able to do nothing to resolve any problems, but simply say that's the company rues. My son and I had been a customer of the company for a decade and never submitted a claim before 2021. read more

The worst customer service experience in years. Been going on for well over 3 months. Probably about a dozen or more phone conversations. There is never a manager available and they NEVER return calls no matter how many times they said they will. Then they FRAUDULENTLY charged our credit card when they said OVER AND OVER AND OVER again, and tried MULTIPLE TIMES (it was cancelled because it was stolen and replaced with a new card) to charge the old card, apologizing each time. Then they somehow pushed thru multiple charges!!! And STILL nobody can get on the phone to handle it. Who can recommend another insurance co? Is there a zero stars rating available? read more

I adopted a cat who had some litterbox issues about 10 days after he arrived, and he seemed stressed and too thin, so I took him to the vet. Petplan refused to pay for the visit and for any related expenses afterward for the same symptoms, pointing out that the first visit was still within a two-week waiting period. (Their website cleverly buries that information so you don't see it when you look to find out how to file a claim.) I'd insured my previous cat with them for a mere 10 years, so i can understand that they didn't feel any responsibility or sense of connection to me even though they smarmily preface all their business communications with me by calling me a loyal member of the Petplan family. Ugh. I'm keeping my insurance with them since I suspect they would prefer that I take myself and my cat elsewhere. Basically their rules imply that if you have a sick animal you should delay medical care for it until you've been insured with them for two weeks. This not only isn't fair to the animal, it could, if you want to think only of money, create real financial problems if you feel forced to neglect a problem for two weeks and risk it getting worse or becoming chronic. read more

This review was 2021. This year my policy went from 2100 to 3900. Again..stay away because if you get this for a new pet and you file a claim you are pretty much screwed because you now have a pre existing condition which NO other insurance company will EVER cover. Do not make the mistake of letting them rope you in with their promises because trust the people that have been with them for over 14 years that are writing these negative reviews,,, they sold to someone else a few years ago and since then it has been absolutely horrible. read more

ITS A SCAM!!! Don't waste your time and money, they're NOT pet insurance. This is fraud for the following reasons: 1) they will charge you in an unapproved payment method. I changed my card and they're still charging my other card that I did not approve! 2) they won't process any claims, good luck trying to reach them 3) there is absolutely zero customer service. Tried looking for a customer service number, there is none. There's no live chat either it's just an auto bot with selected questions you can ask. When you submit a message to contact them, they never respond back. 4) too many reasons to list, just read everyone else's review and don't even bother checking their website you'll waste your time read more

What a joke. I get a letter saying that since my dog is healthy and has no claims that I get a 30% discount in my premiums. Then I go to my account to see what the new premium is. OMG, my annual premiums went up 90%! Why send a letter saying you get a 30% discount for NEVER having a claim only to find out that instead of paying 50.00 per month I have to pay 82.00 per month. Customer service were just spewing the reasons why. Dog Breed, Claims overall in your area are up etc etc. What a scam. Do your shopping - look around. Very disappointed in this company. read more

We made the mistake of submitting a claim, where we identified to the vet that the symptoms of the skin infection had started during the waiting period. Pet plan essentially refused to cover anything forever that may be related to "pre-existing" skin infection. What a joke. If I had the flu at some point do you think my insurance would call that a pre-existing condition and not cover me in the future? Additionally, the app works terribly and they take a long time to review claims. read more

Petplan was awesome...until they changed the rules and expect you to read the terms of the contract to find them out. My dog has been with Petplan for almost 10 years. During that time and submitting numerous claims, never once was I told you need to provide the doctors notes and medical records. Interesting though when you submit through LEO - their automated lion who takes your claim in their app, no mention of doctors notes and if you don't have the medical records, no biggie. You would think a conglomerate like Petplan would be able to reach out for these records on their own and not hold up payment of your claim until you do. In addition, their system failed to notify me that this is what they needed which has now sent my claim in suspense for over a month. And, if I don't hear back in two weeks to follow up with them. I have a full time job and why is everything on my shoulders. With the yearly price I pay for my baby's insurance, can't they do something? I am beyond annoyed by this and want people to know that albeit good most of the time, today's interaction with their 'care' person sent me over the edge. There was no care, just a lot of okay. Not one I'm sorry for the inconvenience. Really??? read more

Stay away from this company. There are much better pet insurance policies. The website doesn't work, there is no chat support, the mobile app barely works. Claims get denied over and over and the only way to find out the reason is to call them and wait on the line. And from the other reviews it sounds like they will likely deny you anyway. There isn't even a way to cancel in app. I'm jumping ship to Pumpkin - they cover more and the price isn't too much higher. Petplan - basically a scam. read more

The cost of my insurance has gone from about 500 the first year to 1200 this year. They say this is bc of the area and breed of dog I have... Seems like an easy way to just increase prices! I also noted a fraudulent charge on my credit card from them and NO ONE has followed up. Do yourself a favor and choose another company. Their customer support is very rude and unhelpful. I hope this review saves 1 person and their pet from this awful company. read more

Don't buy from petplan, horrible company, figure if you file a claim it will take them 60 days to pay it, and they they will raise your insurance accordingly Oh and if you try to cancel, after sitting on hold and canceling it won't matter they will still charge you month after month and good luck getting it refunded read more

Not one to write reviews, but if COVID isn't stressful enough, this company really drops the ball. We submitted our paperwork a month after our vet put in a claim because the entire city went into a lockdown and had to get physical paperwork from a physical location. That didn't matter, took them MONTHS to get back to us after we did put in the paperwork. I randomly get an email months later asking for additional paperwork. We don't have any additional paperwork... Just what we spent so much time, hunting down, in the midst of lockdown. It was all we ever received from the adoption process. I call 2x to explain this over the next two months, the reps assure me it's okay that they'll go forward with processing / apologize for the confusion. I get another email a month later saying the same thing: not enough paperwork. Frustrated at this point, I speak with another rep over email. They blame me for the extreme delay, and the next day the claim is denied the next day. How coincidental. I go into our account: there are two claims open. No clue as to what claim is for what as our vet put in these claims, we ask. Get another sassy reply that it is essentially our fault for the length of this process and that gingivitis isn't covered. Literally doesn't answer our question; we just wanted to know what each claim is for, and why there are two open / why both be declined if one is for one thing and the other for another. Plus blaming us, in the midst of a pandemic, when we hurried as fast as we could to get papers from a physical location, and your team failed to attach the paperwork to both claims and kept saying you need more info... Even though it was really your fault you didn't attach it to both... And that took an additional 3-5 months of the review? That's how you lose a decent customer. Oh, not to mention for months on end their payment system kept denying my card and they'd spam call me the day the payment is due. It worked perfectly fine for all of my other auto-payments, but each month for some reason I'd have to get into the account and submit my info all over again. Avoid at all cost. I've already made the switch to a new insurance. So happy I'll be able to avoid the stress this place put us through during a really rough time. read more

I'd there was an option for 0 starts, I would give that. They will never accept your claims. They are crooks and should be shut down. The customer service is so rude including supervisors that they hang up the phone on your face!! Do not ever waste your money, time and d ergo here!! Worst company I had to deal with !!! read more

These guys are the absolute worst. they will do everything in their power to not pay you a single penny on coverage. ive submitted several claims most recently they gave me $7 on $320. The one before that I didn't file for few months and Don't go with Pet Plan they paid out nothing. That's right ZERO dollars on a $250 claim. This is the closest thing there is to a scam service. read more

This company's customer service went downhill when they changed underwriting companies. I used to get better coverage and reimbursement within 2 weeks. My cat died a month ago and they still owe me over $400 and have yet to refund the premium I paid in full when paid up front for the full year. 4 months of coverage - and they haven't reimbursed for the remaining 8 a month after my cat died from cancer. They want your money but won't be there when you need them. It's also ridiculous they send a check in the mail in the year 2020 vs processing payment electronically. More delays and placing blame on the post office. Set aside emergency funds for your pets or do research -- they are way more options now than there were 6 years ago. read more

Petplan Pet Insurance - Pet Insurance Near Me

This company did not cover oral surgery under general anesthesia because the dog we rescued had tartar on her teeth prior to the effective date of the policy. Doesnt every dog have tartar on their teeth? She was rescued at age 3. Would highly not recommend this company!! Find another company with better coverage and customer service. All three of my emails to them...with questions were never answered or acknowledged were received. Very dissapointed! read more

I'd suggest staying away from this company. I filed a claim for our pup when she was having issues with glands. We had insurance with them from day one, 1st vet check up was clean on day one. Petplan is refusing to pay for the issues saying they were pre existing. How's that when we had insurance from day one of a puppy and a clean bill of health from day one? Company use to be good but has definitely taken a turn for the worse since my last pup. I'd recommend looking for other pet insurance company's. Our vet even said Petplan Pet Insurance - North America has been bad over the years. read more

READ THE REVIEWS. I CLEARLY DIDN't I purchased this insurance almost one year ago. I paid for the whole year feeling good and safe. TURNS OUT, NOT SAFE, NOT COVERED, and a very unprofessional way of letting me find that out. My dog was fine the whole year. No health issues, happy, and no vet bills. My dog recently had allergies so I took her to the vet. I filed a claim with Pet plan and they finally got back to me 1 month later saying that I didn't have enough medical exams to get any coverage on my dog. (BUT WHY DID THEY TAKE A FULL AMOUNT FROM ME WHEN I FIRST SIGNED UP?) Well their is three months left to my insurance and I got screwed over $310.00 to waste my time making a claim that wasn't going to go through regardless. I pretty much paid PET PLAN FOR NOTHING. And in return, I got to pay all my dogs medical bills fully. If my dog was in serious trouble, I would have been screwed. Pet plan Wasted my money, my time and now im helping you not waste yours. NO COMPANY SHOULD TAKE MONEY FROM SOMEONE THAT DOESN'T MEET STANDARDS. NO COMPANY SHOULD NOT INFORM THEIR CUSTOMERS. THIS INSURANCE COMPANY IS A SCAM. read more

Horrible I don't understand how I stayed with them for so long after they lied to me. I had Petplan and noticed it was switched and they raised my monthly payment and told me it's a yearly thing and it's always been like that meanwhile Petplan never raised my monthly rate. Finally I cancelled and will never go back to this company. read more

Petplan denied coverage for surgery for my dog, claiming he had a preexisting condition, which he did not. I've been paying for this policy for 7 years, and could have paid for his surgery 10 times over by now. When I called to try to get them to reconsider or file an appeal, they had nothing to offer me but the "opportunity" to change to a lower level of coverage. Ridiculous!! Do not use Petplan. They claim to care but absolutely do not. Check out their Facebook page--there is a reason why they don't have a Reviews section on their company page. I have so many friends and family with pets, including some who work with and in dog rescues, and they'll all be hearing about this. Shame on you, Petplan! read more

Petplan I thought the worst pet insurance company was Nationwide. WRONG. It is PETPLAN. I just cancelled Petplan since they would not cover any of our dogs medical cost and refused to tell me if they would cover a brace for our Labs torn ACL. All Petplan wanted was my money. They appear to be a firm believer that there is a sucker born every minute. Anyone considering Petplan, don't be their Sucker, pick another insurance company. Next time I go into the US Post Office, I going to look if any Petplan managers are Wanted by the FBI. You may think my Post Office comment is funny, however you may want to think about it before you give Petplan your money. read more

Terrible company--stay away. They have been bought out and the service has gone downhill. I was covered for my 2 dogs, and one had to have a tooth extraction back in March. During that same timeframe, I tried to submit a claim, but their app wasn't working. I chatted in and was informed changing to a new system so I waited a couple of weeks. I tried to re-submit my same claim and successfully uploaded it, but then got denied because it was 90 days after the event, and they closed out my claim. I refuted the claim and told them well how would I know you were undergoing a system change if I wasn't told and it went to re-assessment and was told that someone would reach out in 2 weeks. A month later, nobody had contacted me. I cancelled both policies I had with them and will tell anyone who asks to stay far away from their terrible service. read more

Be careful if you plan to move anytime soon, I'm moving 15 minutes away of my actual apartment within the same County but different Zip code and my policy is increasing by more than 200 dollars!! They said the pricing is ZIP code based... a complete scam!!!! Three times I tried to submit a claim, always they found an small detail to not accept it. read more

I ve had Pet Plan since 2014 and I have to say that I heard only good things about them so I purchased the policy because my dog is a lab golden cross. Need I say more. I was however disappointed , stressed and very upset , tears a flowing when they denied my one and only claim . I am however here to tell you that Kavi one of their employees noticed an error on my policy when speaking with him just recently and he went back on my policy and check things out and gave me updates . Now thanks to Kavi my claim has been resubmitted for approval. If your looking for good pet insurance sign up for Pet Plan it doesn't cost anymore than average cable or Internet and you get peace of mind knowing your pet is covered. Thanks for everything Suzie read more

Petplan Pet Insurance - Pet Insurance Near Me

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We have been with Petplan since 2015 and have never had a reason to use the insurance. Our 9 year old chihuahua went to the vet for his annual visit and they found a heart murmur. Our vet suggested he have an ultrasound and some other tests...of course we would do this. I called petplan to see if he would be covered and started a pre-authorization. I never expected to receive a call from Tom in medical records checking in to make sure I got them everything they needed to be sure we were approved. WOW - an hour after emailing the rest of his records, we had the approval. Just knowing if Samson has ongoing issues with his heart, we won't have to worry about our financial state. We will know he will get the best possible health care. Thank you Tom K. In medical records and thank you Petplan. Samson thanks you too. Julie read more

Petplan Pet Insurance - Sleepy Samson - Pet Insurance Near Me

My policy is increasing $450.00 this year. Filed no claim last year. I have been with Petplan since 2010. What a shame! I will be better off just putting the $2100.00 premium into a savings account each year instead and keep that going for the rest of my pet's life to cover expenses. Wish I would have done that sooner instead of giving this worthless company my money! read more

I am so glad you're reading this. If you're considering PetPlan, RUN right now. Run hard and run fast away from this terrible, terrible company. At one time many years ago, this was the place to be. That time has long since passed. The new owners have ensured that. Do you like having your deductible raised astronomically? Do you enjoy having your payout percentage reduced? Ooh, then this is the place for you. By the way, read the small print. They can and will do these things, leaving you with no alternative to pay a larger premium to retain your original coverage. Also, once these changes have been made, they are permanent, per PetPlan. They cannot ever be changed for your benefit. You're stuck. They can also cancel you any time they want; all that is required of them is to give you a 61 day notice. If you've already filed claims with them, it's too late. You now have pre-existing conditions that will likely not be covered by another company's plan. How these people manage to stay in business is a mystery to me. Highway robbery ain't got nothing on the thieves at PetPlan. In closing, if I could give less than 1 star, I absolutely would. GARBAGE company! read more