I have five pets insured with petplan and though I have only used it 3 times in several years, it has been super easy each time and the refunds come back within about a week. The peace of mind I have from having petplan is invaluable. Although it may not be the cheapest, the great thing about petplan is that it doesn't have small print like other plans. It may not cover routine maintenance like other plans but I don't need insurance for routine maintenance, I need it for emergencies when I am faced with thousands of dollars in vet bills and my heart is breaking. And this is where petplan gives me peace of mind. Don't let the bells and whistles of other plans fool you. Read the fine print and compare it to petplan. I am extremely happy.