I thought it would be like people insurance where most of the claim would be denied, the process would be a nightmare but I figured what the heck, let's try it. Rosco had unexpected teeth removal on what was going to be a routine cleaning. I submitted $423.79 and got back $223.79 due to my $200 deductible. The check came immediately. Say what? No problems, no denial, EASY and straightforward. I never expected such incredible service and to get what I really paid for! WOW. Then 2 months later Rosco twisted his knee and was limping. It just required Rimadyl, no surgery but the xrays were expensive. Again, EASY! Submitted $461.65 and after my $200 deductible I received $261.65. INCREDIBLE. I now know that no matter what Rosco gets into, I can handle the $200 deductible and I can TRUST the folks at Petplan to take care of the rest. PEACE of MIND, Priceless. Thank you so much.