I have had Petplan pet insurance for years and never needed to use it.This January my Yellow Labrador, CJ was diagnosed with diabetes. I assumed that the insurance covered only major medical problems so I never bothered to file a claim for the insulin, needles, etc. In May CJ developed complications and I had to make an emergency visit to the veterinarian., which was very expensive. When I called Petplan about filing a claim, not only were they extremely helpful, the lady on the phone told me to file a claim for all the medications also. In closing, with the paperwork filed and the vet information set to them, in less than two weeks I received a check for my expenditures, less my deductible. I wish MY insurance was this efficient!