After I lost my cat Guido to a 3 1/2 year battle with renal failure and diabetes, I finally decided to sign up for medical insurance for the rest of my aging feline population. I recently had my first claim experience with them when I had to take my 14 year old cat, Louie, to the vet to find out why he was dropping weight. They suspected GI cancer so had to run some tests to properly diagnose him. Thankfully he's cancer free. My vet submitted all of the information to Pet Plan and within 2 weeks I had a check in the mail from them reimbursing me for my expenses (minus the deductible). I was so pleased wtih the fact that there was no haggling or delays or denials like what seems to happen too often with people insurance. It just went right through and they paid me exactly what I was expecting.