I got PetPlan about 2 years ago and just recently had some claims to send in. I was very skeptical at first and thought they wouldn't do what they say they would, but was I wrong! It was so simple. Just fill out the simple claim form and fax it to them with your invoices from the vet and in less than a week, I had checks mailed to me.
It's hard to find any company today that honors their word and does what they claim they'll do.
They are always nice to deal with as well. Always answers my questions and doesn't give you the run around.
I would highly recommend PetPlan to any animal owner!