Our little Rocky, a Maltese/Papillon mix has had 5 knee surgeries for subluxated patellas. Our daisy, a Bichon, just had surgery for a ruptured ACL. Petplan has paid each claim within 30 days and never once questioned a bill. We have always been kept informed from the moment Petplan received the claim to getting an email when the check is in the mail. Our rates have never gone up nor have we ever been threatened with nonrenewal. I never have to worry about wether or not I can afford my dogs care. Whatever happens I know the most I will ever have to pay is $100 (the deductible we choose). Our Rocky was just diagnosed with a disc injury and I know that if the meds don't clear it up, Petplan will be there to pay the bills for surgery. I recommend Petplan to all of my friends and wish my health insurance was this good!