My experience with PetPlan was absolutely outstanding. My pet was injured on 2/25/11 (a stick penetrated her heart while running through the woods!) .I submitted a claim on 3/2/11, after numerous phone calls to PetPlan with questions regarding my claim, and was treated in a courteous and friendly manner at all times. I received a check for the full amount on 3/9/11. If the weekend hadn't interfered, I would have had the check even sooner! Even better, the staff at PetPlan is just as happy at my pet's recovery as I am.