Our 1st year w/ Petplan, we paid in a pittance, and they reimbursed us $588, 2 days after filing claim. The 2nd year, same in, and $538 back, 2 days after claim. 3rd year, they reimbursed us $4,000+. It took 2 weeks. And this year $1,200+! again in the promised 2 weeks. . . . AND they're like a loving family. Each person remembered every detail about Braille, did everything possible to help, encourage and facilitate his wellness and thriving. With customers like us, I have no idea how they stay in business! unless love, honesty and care has become the currency of the day!