I have 2 cats, both with chronic illnesses. One has feline asthma and the other has IBD. I submit claims for each of them many times per year (I haven't kept track but Petplan has probably paid me $5000 at this point). Plus they both are on daily meds that Petplan pays for. I have never been questioned by petplan or given a hassle for my claims. They pay all of my claims immediately and the phone app makes it super simple. My vet knows I have insurance and he makes sure to give me all the stuff I need to submit the claims. I don't ever hesitate to get my cats to the vet when needed or get them whatever test they need because I know I have insurance. It's such a great feeling. I will never own a pet without insurance again. It's such a stress relief!!! They are my children.