Recently my border collie had to have major shoulder surgery. I had taken her to a specialist and needless to say, the bill was quite big. I paid for the bill and sent the bill to Petplan for reimbursement. I got the check (in a very nice amount too) within a week. I was so thrilled with how quickly Petplan responded and that they covered cutting edge treatment. Since then, I have put all four of my dogs under PetPlan.