I've had both petcare and petplan and my opinion is that petplan is by far a better company in every way even though they both cover hereditary diseases. I started with petcare with Molly and had to fight tooth and nail to get them to pay when she was diagnosed with SM, plus she was capped for life for the illness. I switched her over to petplan as soon as they were available in our area. We've had Cooper on petplan since we got him (April) and have had 2 claims already which they paid promptly and without question. What they have paid out in claims have covered his premium for the year. I wouldn't consider owning a dog without having insurance, as a small infection can lead to a $500 vet bill easy.
That all being said, if you do get insurance get it asap. The insurance companies will look for anything that can point to a pre existing condition.
Molly and Cooper's mom, Bev