We have a dog and cat insured by Petplan. In the last year, both the dog and cat had illnesses requiring treatment. Petplan paid the vet bill (less deductible) quickly! I had my reimbursement the in a couple days. They did not nitpick the vet prices, and simply covered what was needed. The people that work at Petplan are great, high quality and well trained. My sister had VPI and they paid per 'schedule' rather than actual costs. She had to pay hundreds out of pocket when she had a claim.