Our 2-1/2 yr. old Bichon developed bladder stones that cost us more than $1,000. Petplan paid immediately and just like they said, covered the prescription food, too. I can't say how pleased we were to not only get the check so quickly, but they don't make you jump through hoops to get reimbursed. I would recommend them to everyone. After more than $20,000 I spent on my last Bichon in medical bills before pet insurance was available, I wouldn't be without it.