I have 2 dogs covered by Petplan. An 18 month old 100 lbs Bouvier Des Flandres and a 50 lbs Tibetin, Schnauzer mix. I am so glad I got Petplan. I have had a couple of sizable claims on each of them and I have never had a problem. They pay the claims very quickly, I was very surprised how quickly. As long as you follow the directions for the claims and they are not difficult at all. They make everything very easy to understand and you can print out all the forms right from thier site. I did my homework when looking for pet insurance and I'm so glad I did. If this is the kind you need, I highly recommend Petplan.