First off, I have a German Shepherd puppy that I've had to take in a few times because of lameness.
Petplan is great with approving all of the injuries that come with taking your pet into the vet, but they have been such a pain when it comes to getting refunded. They have so many forms and require so much information that it takes me calling my vet and petplan 3-5 times in order to get a claim to go through. On top of that, they do not inform you when a claim doesn't go through. You actually have to constantly look online to see the status of your claim. If I didn't check it daily, I would have never known that the claim was missing paperwork and or a signature. Because this process takes so long, I typically don't get refunded for 2 months.
Other then that, Petplan has been great in helping me with everything, I just don't have the time and patience to deal with calling back and forth everytime.