Took out a policy in Sept 2016 for our new puppy. Unfortunately 2 months later we discovered she had a liver shunt. Fortunately for us is was repairable and with a successful operation she could live a normal life. She had many tests and a very expensive operation at a specialist veterinary hospital. PetPlan paid out Ł6000 without any fuss, directly to the vets. I was dreading my renewal premium but was pleasantly surprised to find out my premium had gone up by less than Ł4 per month.