Our 10 month old labrador retriever was playing at day care and broke her hind leg jumping for a ball. She just came down on it wrong; a freak thing. One surgery and one steel plate later and we were looking at almost $5000 in bills. I filled out my one sided claim form, scanned it along with a final invoice, and Petplan sent me a check for my 90% reimbursement in about 2 weeks. I never even had to speak to anyone. I'm very, very happy with their service.