The last three years we had our now 4 small dogs insured by petplan. We just made our second claim in that time. Each time the process was simply sending a pic of the bill over their phone app. They chased down the vet for verification, and the check came in about a week. Our plan gives pays 100% of everything over $200. This claim was for an ER visit for a surprisingly large abscess. The bill was 800, and we got 600 back. The other claim was a little after we brought home a new puppy. She had better jumping skills then we were aware of. She found her way out on to a second story balcony, squeezed between the railings, and fell off. The 5 pounder was completely fine, but 1k worth of emergency xrays, etc put out minds at ease. Petplan gave us 800 back, and we have since overly blocked off the balcony area. They do what they say they do, and I have never been hassled about preexisting illness checks, do i have other providers of insurance, or any stall tactic type things like my insurance company does for me. Thank you petplan! I will never have a dog not signed up.