Months ago I posted a review about how wonderful PetPlan had been by providing us with timely and accurate reimbursements for our cat's chemotherapy. After a few weeks shy of a year since her diagnosis, we lost our beautiful Tegan. I've said it before and I have to say it again. If you have a pet, please get Pet Plan insurance. They were AMAZING and kept every promise to us with no haggling over Tegan's treatment. I just went online to assess the final credit card bill of Tegan's vet care to find a credit of over $300 from Pet Plan. We have a policy that reimburses us for a percentage of Tegan's vet care, but we receive prompt checks by mail following our faxed or emailed invoices. I called them when I saw the credit on my Amex to ask them if there had been an error. No error. They pro-rated her insurance coverage so that we only paid for the portion of the year that she used prior to her passing, and they sent the rest straight back to my credit card. I was not aware of this policy and did not fill out any paperwork to get this money back. They just sent it. They are wonderful and covered somewhere in the neighborhood of $12,000 of Tegan's care over the past year. You can talk to a live person 24/7 and they are always kind and helpful. I will never use another pet insurance company.