Well, I filed a claim with them recently when my dog suddenly started vomiting every 30 minutes and became partially paralyzed a couple of hours later. After a barrage of tests, the vet found nothing. He had no fever, his blood cell count was fine, everything was negative in the cytology, etc. My dog had immune mediated arthropathy over a year and a half ago (before the insurance) as a result of a Lyme infection. There's the magic word: arthropathy. Petplan focused on that word and now, despite what the actual clinical symptoms and test results were, they have denied the claim for the vet calling any type of lameness by the clinical term. There is absolutely nothing to indicate the second incident is linked to the first. Despite all of the previous records being provided indicating the symptoms, definitive diagnosis, and treatment, I'm getting royally screwed over by Petplan. I've had to go back to my vet and have him spend his valuable time to further explain what the records already show just because Petplan decided that if the same general symptom ever showed up again, it was automatically a pre-existing condition. They couldn't be bothered with details like actual clinical documentation.