My rescue dog was treated 8 times in the first 9 months that I had her for gastroenteritis, which all 8 claims were promptly handled. Then both my vet and I agreed we needed to know what the underlying condition was, rather than continue to treat symptoms almost monthly. So our next steps were an ultrasound, which gave us a worrisome result, and then to a specialist who performed an endoscopy - results were not so worrisome and provided a diagnosis of a highly treatable condition. Both diagnostic procedures were expensive, but PetPlan quickly processed the claims and I even got a followup phone call after the endoscopy to ask how my dog was doing.
I HIGHLY recommend PetPlan. In addition to how they handle claims, they give you very good online tools and their customer service - a.k.a., pet advisors, are eager to help.