I'm impressed!I purchased Pet Plan insurance after reading reviews on this site, for my Golden Retriever puppy in December, never really thinking I would need it, but Sunny was hit by a car on Jan 7th. Fortunately, the damage wasn't as bad as it could've been & she just suffered 3 broken teeth, but the bill for emergency treatment was almost $500. After submitting the bill, I received a check within a week for the total minus the $100 deductible, no questions asked! At this point Sunny doesn't need oral surgery & hopefully she won't need any further treatment for her injuries, but I appreciate knowing Pet Plan actually pays claims & she won't have another deductible if there's something related to this accident. Refreshing in today's world, to say the least!