This is my third claim with PetPlan and they have been nothing but completely competent in processing my claims - in fact, they're easier to deal with than my own insurance company. For the folks who complain about PetPlan always asking for medical release forms - go back to the same vet, the release form is on file with them. It only makes sense that if you go to a new vet, you need a new release form. That's the bureaucracy of an insurance company, whether human or animal - deal with it! PetPlan has not let me down once in three claims over two years. And two of the claims were for over $500! I love that I can afford the proper treatment if she gets sick or hurt. Thank you PetPlan!