Have filed 3 claims in 2 years and all claims paid promptly with no quibbling over charges. Super easy to file claims and check status online. You know within week what will be paid and usually have check in another week. Great on line site with base info filled in on forms for you and a permanent record of claims and results. To date I've paid $815 in premiums (GOLD PLAN $100/10%) and PetPlan has paid me $3001. Wish my health care company was this easy to work with.