The claim processing and payment by PetPlan was amazingly quick. Our 7 yr old Blue Heeler tore both ACL's, could hardly walk and was in pain. The Canine Orthopedic Surgeon recommended repairing both on the same day, a $5,700 expense. Thankfully we proceeded with the surgery 3 wks ago and after a few rough days, his recovery and movement is progressing nicely and I'm confident it was the right decision. In 2-3 wks after surgery, I received payment for the claim. PetPlan service was fantastic! I would highly recommend this pet insurance. It provides peace of mind in knowing that if a medical situation arises, I can afford the treatment for my pet and choose the best treatment options.