We have had PetPlan for all of our dogs with the first starting 5 years ago. We have 5 dogs right now with one being the "problem child". Our oldest Rottweiler has had an ACL surgery, intestinal issues, nail disease and most recently a cancer diagnosis. I can't say enough good about Petplan from their representatives who answer questions to those who process the claims. The claims process is unbelievably easy. I fax all of my claims and receive payment within 2 weeks.