We have both of our lab mix dogs insured thru Petplan. Recently our youngest (4 year old) Jet ruptured his cruciate ligament and had to have TTA Surgery. Between all the pre-surgery blood work, actual surgery costs and post-surgery care the total claim was about $3,400. We carry the Gold Plan with 90% coinsurance and a $200. deductible. Submitting the claim was very straightforward and easy and the claims reps were very helpful and caring. Jet's surgery was May 1st and I had submitted the claim on the 2nd and by May 10th we had our claim reimbursement check! Great service! The only item I didn't realize about the coverage was that specialist care had an 80% coinsurance... but it is clearly spelled out in the policy terms and conditions. I highly recommend PetPlan to those who wish to have comfort in knowing they will be able to care for their sick pet without worries of high costs. Thanks to the staff of PetPlan (specifically Krista Golden) who helped us with Jet's claim... we truly appreciate your prompt, efficient and caring service!