We have two black lab/chow mix dogs that are litter mates. In the past 18 months one or the other has endured a diagnosis of Cushing's Disease, two root canals and cancer. Thanks to PetPlan both dogs are happy and healthy. I don't know what the outcome would have been for the dogs had we not had PetPlan. They were always responsive and reimbursement payments were received usually within two weeks of submitting a claim. Don't go without pet insurance. Don't go without PetPlan.