We adopted Rudder at about 7 mo old. He'd been through 2 previous owners and he was a high energy, beautiful (mostly) lab. With such energy, we sat one night debating about the usefulness of pet insurance. My husband and I had each had dogs before - but never pet insurance. We are so glad we clicked the button to buy this insurance. Rudder partially ruptured his achilles tendon. It required a specialist that was almost 2 hrs away from where we live. While we were happy it didn't mean surgury for him - it didn't make it less expensive for us. We were able to direct our attention to helping Rudder get back on his feet rather than fretting over the thousands of dollars of veteranary expenses. We're almost half way through the worst of his treatment and we are so greatful that we made the decision to get this insurance. While it takes more than the described 2 days to process the first step in the claims form submission - the time to process claims was more than resonable. We tell everyone how valuble this insurance is. When your pet is hurt or sick - it is wonderful to know that you can give them the relief they need. Thank you PetPlan Insurance!