My terrier was diagnosed with a luxating patella and needed knee surgery with a cost of over $3,000. I submitted all the necessary paperwork to petplan, including a request for pre-authorization. Everything was approved promptly, with great communication via email. I received my check within two weeks of supplying the final receipts. All went very smoothly. I was extremely relieved to have a petplan policy. They were very easy to work with and kept their word. I recommend them to all my friends with pets.