We have had to use PetPlan a lot lately. Our female shiba inu has had both of her ACL's repaired as well as had luxating patella surgery. The process for submitting the claim was quick and easy. If I ever had any questions, I didnt hesitate to call the friendly, courteous, professional staff at PetPlan for quick and detailed answers. Recently, our male Shiba Inu was diagnosed with Cushings disease and was told it is the most expensive disease to treat aside from cancer. I called PetPlan to see if they covered that illness and to my relief they told me as long as it wasn't a preexisting condition then they would. After submitting my claim it took months to get a check from PetPlan which was Very unusual since my last two checks came very quickly. When I called them I was told they have been trying to get Manny's medical records from the vet but the still hadn't received them. PetPlan never gave up and kept fighting for us until they finally got the records from the vet. Thank you!