I have had Pet Plan for several years. I have had to submit claims twice. Recently, my 4 year-old yellow lab was diagnosed with elbow dysplasia in both elbows and had to have surgery. We went through Pet Plans' smooth pre-approval process. All of my claims both prior to the diagnosis, surgery and post-op care were paid promptly. I would highly recommend Pet Plan to any pet owner. My vet advised me that they are the best plan out there.