We have been using Petplan for two years now for our 6 yr old black lab. Every time we have made a claim, Petplan has been very expedient in processing and paying. We have never had an argument from them. Originally our concern was that these types of policies had tons of loopholes that would prevent them from paying on much of anything. However, that has not been the case at all. We live in the bay area where costs are extrodinarily high. Our dog has had bronchits (~$700--diagnosis requires x-rays/sedation), a root canal for a broken canine ($2,000), and a series of expensive blood tests for an unknown illness (now gone), and in all cases, Petplan came through for us with exactly what our policy said they would pay. If you have an animal, I would highly recommend you use Petplan.