Our 5 month old Crystal swallowed a piece of wood without us knowing about it. We took her to the vets and they saw an object, but didn't know what it was. They recommended that we go to a 24 hour vet hospital. The 24 hour vet hospital was told that Crystal needed surgery by our first vet. Thank heaven they did more X-rays. The next day they were going to prepare for surgery, but decided to take Crystal for a walk first. She got rid of the object. When all was well, I gave the insurance form to both Vet hospital. They were familiar with the forms. They new what to fill out and they sent the forms in for me. PetPlan got on it right away and they kept me informed as to my claim. They sent my money to me when in the month. I think PetPlan is a great insurance to have for your pet.