My dog ended up with a torn acl. I was worried that because I hadn't had the insurance for long that they would deny the claim. I was prepared for a disagreement. I wasn't prepared for a painless, expediant repayment of my surgical bill. What?! Monday surgery, Wednesday filed claim, the next Friday a check. Of all things I expected and wonderful experience wasn't it. All I can do is tell everyone! Petplan usa is the best!