Impossible to believe but PetPlan paid for my dog's hip replacement surgery 4 years AFTER the surgery. When my dog had her surgery I misunderstood the representative and did not send in the claim for the surgery. Well I was recently talking to a representative (Krista) and we got to talking about the hip replacement and she encouraged me to turn in the claim for the surgery. I did and got my check for 4,364.11 just a week later. WOW! What great service.