We have had insurance for our dogs from three different companies, first VPI, the Petfirst and now Petplan. Our claim for a CT scan was processed in a week and our check is on the way. We were preauthorized for $5000 cancer treatment for our dog. Be sure to read the instructions on the claim forms carefully. Petplan requires more documentation than the other companies did, so you have to ask your vets' offices for more stuff. However, most are happy to help and this practice probably helps them keep their costs down.