When I got my kitten, she came with 4 weeks free insurance with Petplan. Within days, I had to take to the vets as she had bloody diarrhoea but was well otherwise. I was told it was probably due to trauma of leaving her mother & being in a new environment & this was quite a common thing. It cleared up with treatment but came back again 2 weeks later. I called PetPlan to see if she was covered as more investigations were needed and it was time to renew the policy. On 3 different occasions they said she was covered so I took out the renewal and she had her tests done. Then I tried to claim on the insurance! 2 months and many calls & emails, later they are still refusing to pay out. They keep asking for her vet history before I got her. They have had that, a copy of my contract from the breeder to say she had been seen by the vet and had all her vaccinations etc and now they say they need a certificate of health! She never had one of these & when I looked up to see what this is, it's for travel purposes! I have no intention of travelling abroad with her & as I don't live in the USA, I won't be needing one to travel inter state! PetPlan are just happy to take premiums but not happy to pay out for claims. They don't call back when they say they will & all in all, it's a dreadful insurance company. I refuse to sit back & let them win so will continue to fight them but I will also stop paying them & go elsewhere. I'll also be warning as many people as I can about insuring with this company.