I have been a Petplan policy holder since 2011 for all three of my dogs. Over the years I have had minor claims that were paid promptly with ease. This past winter one of my dogs slipped on ice and tore her cranial cruciate ligament -- major surgery was required and I thought -- this is where we find out if Petplan is really worth it -- AND IT WAS -- my surgical claims have been processed and paid promptly -- according to policy. No questions or lengthy back and forth debate on qualified charges -- just easy and friendly service. I know pet insurance can sometimes feel like a huge expense -- but this year -- I am so glad to have Petplan -- no waiting on the phone when I call -- quick email response and an unbelievable claim payment turn around -- wish my personal health insurance was this good. Worth mentioning the very competent and friendly customer service too. If you have a pet -- I highly recommend you have a policy for them with Petplan.