Our four year old healthy lab suddenly came down with a case of HGE. One day she was fine and the next she was vomiting, not eating or drinking and had a bloody stool. After many tests and x-rays to rule out other causes, she spent the night at the vets with an IV. She came home the next day with her prescriptions. PetPlan reimbursed us within a week. When she needed a refill for her medications, they reimbursed us for that too. Luckily she made a full recovery. I did a lot of research before I chose PetPlan. They have a good choice of plans and deductibles. I'm glad I chose to use PetPlan, and I although I was very happy with the way they handled the claim, I hope I never have to make another one!!