My boxer has eaten several things that are not supposed to be edible, pet plan has been there for him and us!!! We just filed another claim for protein losing disease which we had to see a specialist to resolve and again, Pet plan was there... They do exactly what you policy says they will do, just get them to documents they need and they will pay you. I have other pet insurance aPetfirst, for some of my other animals, they were quite old and it was more economical, they do not hold a candle to PetPlan. Also customer service is fantastic.If I had to say anything negative, it would be the specialist copay. Unfortunately many vets do not have the equipment or know how to do certain things and they have to send you to a specialist, we have no choice if it is not offered at our vet clinic's.