Our Terrier/Chihuahua had emergency surgery for ingesting an ear plug on 11/23/2011. After faxing the required documents on 11/29/2011, I received the insurance check in five business days on 12/5/2011. Wow! And, a company rep. called me to determine if I had received the check! Also, the Petplan website is very user friendly in terms of access to the required insurance forms and access to the status of my multiple claims for this surgery. This is my first medical pet insurance plan and I would not hesitate to recommend Petplan to anyone that has a pet!