PetPlan is incredibly easy to work with - they are friendly and caring. We've never had any problems with claims. We have four dogs and so having insurance is great peace of mind for the unexpected things that come up. When our beagle wasn't even 3 years old he ruptured two discs - that surgery prompted us to think about insurance as while we paid outright for it, we realized that if something happened to multiple dogs in a short timeframe that would be a lot of money out the door. So we invested in PetPlan and haven't regretted it once. We've had multiple claims for multiple dogs - submission of documents is easy and reimbursements come quickly. When our lab was in the hospital last year in kidney and liver failure (never fully determined the cause) we didn't have to worry about whether we could continue to afford intensive care day to day. We were able to keep her there until she was fully healthy again... a few days were touch and go but after a week we brought her home and she's had no problems since. I can't recommend enough - your mind will be at ease in taking care of your precious family members.