I have had Pet Plan since Aug. of 2011 ,after an earlier circumstance of ingesting the wrong thing and NOT having Pet Plan coverage. This plan is awesome and it does exactly what it promises in the initial coverage. Do not fall for false promises and fake claims from other companies. Pet Plan processed, evaluated, and delivered on my claim per my initial plan. From faxing the required documents to them to receiving a check was all within 1-2 weeks! I had a second claim from primary issue and that was also covered per the plan agreement 2 weeks after the initial claim! I have had to deal with Human HMO companies and they should take claim and direction from Pet Plan and deliver on what they claim. Thank you Pet Plan I am here for life of my beloved trouble maker.