My dog was ill twice in the same month with the same diagnosis. I ended up spending $800 over the course of the illness. I went to my vet 3 times and even had to make one trip to the emergency vet. I submitted all 4 claims on a Friday and they reimbursed all 4 visits for the illness with just one deductible. No hassle at all. Very easy claim filing. I had my checks the following week. I recommend Petplan to all my friends who are animal parents.