I really wish that my health insurance was as easy to work with as PetPlan, and as up front. What I signed up for, I got. PetPlan makes is simple: 1) you choose your deductible and coverage amount 2) when something happens, you follow their instructions that they mail to you and that you can easily access online. They allow you 90 days to file a claim, which is very fair, and once they receive all the materials, I have had a check within a week or so. Plus, the customer service folks are so friendly. For me, the whole experience (I had two incidents with my naughty french bulldog) has made me a loyal Pet Plan customer.