If you want a company that will find ways not to pay, look no further. Pet plan increase the amount payable each month as each year passes. The excess is so high, currently £115 and they will also deduct a further 20% from the bill payable. My dog is 12 years old and I have never claimed yet the cover has tripled in price. Recently The vet advised my dog needed three tooth extractions at a cost of £550. Pet plan will not pay out. The claim was invalidated because there was one year that the dog had not visited the vet. Equally any diseases which result as of her not having seen the vet in that one year will not be covered. I have lost confidence and have been paying thousands for nothing.