They find all kinds of reasons to reject your claim. I had Petplan for ten years and when I went to file my first and only claim, a completely legitimate claim for a set of tests on a NON-PRE-EXISTING condition, verified by the vet, twice verified, they still rejected the claim. They will quickly take your money but then just as quickly find any spurious reasons to reject the claim. AVOID THIS COMPANY!
Bottom Line: No, I would not recommend this to a friend