When our terrier Jack got sick with an intestinal blockage it was reassuring to know that we could go ahead with any treatment he needed as it would be covered. In the end he had to have surgery which we would have had difficulty paying for if not for pet plan insurance and they dealt directly with the vets so that we did not have to wait for the money to be reimbursed to us. We did submit a claim for some tests and treatments he had prior to the surgery but received these costs back within 3 weeks. The website was great in updating me on what was happening with the claim. I would not hesitate in recommending this company to others and have, in fact, done so. Thanks so much pet plan!