My Miniature Schnauzer, Claire, was attacked by another dog on New Year's Eve. What a way to ring in the New Year! Anyways, we went to an emergency vet the next morning because she was in a lot of pain. She had three open wounds and one internal that was filled with fluid. One of the open wounds needed staples. She had 2 follow-up appointments with her regular vet. Petplan covered 100% of the costs of all 3 visits minus my $50 deductible. I simply faxed the easy one page (pre-generated) claim form, a copy of the invoices, and a medical release form to the vet offices where she was treated and I had a check a week later!