I am so skeptical about jumping through insurance hoops, but the people at Pet Plan made this SO incredibly painless. When I called to ask the process, a human answered right away- no maze of menu options- and he was so friendly and thorough and helpful. Yesterday I submitted my first claims and it was so quick and easy. Today I already have notification that they mailed me checks. ONE DAY. LESS THAN 24 HOURS. I'm stunned and so grateful!!!