We have had insurance through PetPlan for about six months now, and recently had to file a claim when our dog spent a night at the emergency vet getting his stomach pumped! PetPlan handled the claim quickly, and we had payment within a week of when I e-mailed our required documents to them. Our policy says that emergency vet bills will be paid at 80% unless the treatment is deemed "life saving." PetPlan deemed everything "life saving" and paid 100% of the vet bill! I was very impressed that they did not try to get out of paying based on wording or technicalities like other insurance companies might try to do. Overall, I'm a very satisfied customer, and our policy has already paid for itself for the next two years!