Our American Bulldog, Mikey, ate something he shouldn't have several years ago and ended up having surgery to dislodge it from his intestines. This episode cost me $4k and I worried that I would not be able to provide surgery without going broke if it ever happened again. I bought a policy with PetPlan a week later. Here we are, three years later, and Mikey did it again. This time he did it during the middle of the week, so we didn't need to go to the After Hours vet and the bill was ONLY $3k. I downloaded the PetPlan app to my phone, sent pictures of the bills from the vet office, and received payment with absolutely no hassle two and a half weeks later. PetPlan took care of getting the medical records from my veterinarian so quickly and easily that I didn't even realize it had happened. I was SO RELIEVED when I saw via the app that my claim had been processed and the check was on the way. I was even more excited to receive the check so quickly. My vet was pleasantly surprised. She was not familiar with PetPlan but had heard horror stories about other insurance companies. She knows about PetPlan now! Buying that policy was one of the best decisions I've ever made.