My little yorkie dog that is 3 years old, when he was about a year old was choking on a treat and had to go to the emergency, an overnight stay, which was over a thousand dollars. Petplan paid for all of it. Once the claim was filed i recieved a check within five days. Once again, recently last month my pet moxy had to get throat surgery and with those complications the bills were racking up. The bills came to $2,300.00 with another bill pending of $600.00 that i'm sure petplan will also pay. I highly recommend Petplan.com the customer service is excellent. There is minimum hastle, hardly any hastle. They are there for your pet at all times. I recommend Petplan.com to friends family and even strangers, i'm always referring to Petplan.com. Just one simple form and your on your way to great excitement! They make things a lot less stressful for you. Petplan.com is highly recommended i would rate them an 11 out of 10, if 10 was the best rating.