For all personal insurances, I use USAA which I consider the gold-standard. No issues with getting reimbursements, claims, follow ups, etc.
Petplan is much like that, for dogs. Had three claims that were mailed out but my complex is pretty poor with getting mail. However, with my moving date near by, Petplan overnighted the checks so I could have the money in my account prior to moving.
In addition to this, their reimbursement policies lined up with exactly I expected, was told, and given. No surprises. I felt secured, and properly insured to take both of my dogs in one three different occasions for their illnesses.
Kelly Hinshaw was fantastic to work with, fast to service my needs and process what was done. Won't go anywhere else for my doggies insurance, and HIGHLY recommend them. They are the gold standard, and affordable.