Pet plan has been exceptional. We submit our claims and information, and a check arrives in the mail a few weeks later. Our french bulldog was diagnosed with a brain tumor 2 years ago, had surgery, and recently had a recurrence. Pet plan has now gotten Jonas through 2 brain surgeries and it's been a huge relief to know we don't have to bear the full burden of his vet bills. Best choice we ever made when adopting our pet.