9 month old yellow lab with Osteochondritis Dissecans of the shoulder. I've had large dogs before and knowing that this breed has a knack for swallowing foreign material, and how much surgery cost, I made sure to picked up PetPlan for Gus when he was about 4 months. This is first time I've had a PetPlan policy. I chose them after I read the reviews on this site and my experience has been great! They reviewed and approved my claim in about 2 weeks. There submission process is great. If you're missing any paperwork (which I was), they promptly email you (within 2 days) stating the pieces that are missing and why they are required to process your claim. Aside from the claims, I just have to say that their website is awesome! It has plenty of information, is easy to navigate, and if you're like me and want to stalk to progress of your claim, the status is updated every step of the way with notes.