A few years ago I lost my beloved Boxer, Cassius,to cancer. PetPlan was by our side every step of the way. The costs that we submitted were over 4500 dollars and of that amount, they paid 3500. They proved themselves to us then and continue to now. My other Boxer, Duke, got into a "disagreement" Sunday night with a porcupine. We spent three hours at the local emergency facility and the cost was 615 dollars.....PetPlan issued a check today,(Wednesday) for nearly 500 dollars. The form to fill out is incredibly easy and there are options to do things with an actual physical form and mail or fax it in OR fill out the form on line and send it electronically. If you need to speak to a Customer Care person they are there 24/7 and answer the phones really quickly. I have been a customer since 2008 and I urge pet owners to research this company. This company has your back.