In the past 6 months, we have had to use our pet insurance numerous times due to bloat & twisted stomach, foxtails in paws and gastric ulcers (which probably resulted from the bloat or visa versa). The expenses incurred for these incidences were more than we could have handled, if we didn't have Pet Plan. The insurance coverage definitely helped us make the decision to treat our dog. Reimbursement was about a week and a half, after faxing in our claims, which meant we could promptly deposit the checks to pay off the "dog's" credit card. We are very happy with Pet Plan and continue to enjoy our dog, Traz.