My dog, Shelly, tore her ACL in May. Thank goodness we had PetPlan. She had her surgery on May 30th and the following week we got the 80% reimbursement check as promised. The claim form is EASY. I did get everything preauthorized for the surgery for ease and peace of mind. There were no strings. There were no gimmicks. It was easy, efficient, and AWESOME!!! Thank you PetPlan for allowing us to give the best quality care for our girl at an affordable price!