I have had Petplan for two years now for my Golden Retriever, Pebbles. The claims I have had to submit have been processed timely and I have recieved reimbursement within 1 week of submission. It's a huge comfort to know I can take care of my furry 'children' should they become sick. Thank you Petplan for being there for us! Your policies are clear and upfront. No hidden language. I will continue to recommend you to friends.