I bought PetPlan Ins. for my Yellow Lab Marley AFTER she was hit by a car. I was lucky, she recovered 100% from that accident. Well app. 1.5 years later she tore her Cruciate ligamnet in her right knee. I went to two vet specialists for opinions and had the surgery performed on August 5,2011. I sent in all required paperwork,claim forms, etc. to PetPlan on August 9. On August 17 my claim check for $2880 arrived. No problems, no issues, no hassels. I HIGHLY recommend PetPlan. I spoke to their reps because i had questions before going into the surgery for Marley and they could not have been nicer and more helpful. This really is a great company.