PetPlan has been excellent! I have had a total of 4 claims for two dogs over the last 3 years. Those bills totaled about $7500 for 2 knee surgeries, an infection, and what turned out to be Inflammatory Bowel Disease. My latest claim cost me $2526 out of pocket, but after my deductible and coverage, my total cost was $744...and this involved seeing a specialist. I have had absolutely no problems being reimbursed for the expected amount each time. I highly recommend PetPlan for their excellent service. It makes the decision to provide the best care for your pet much easier!