My goldendoodle, Teddy, got into a bag of raisins (toxic to dogs). We rushed him to the vet and they induced vomiting and gave him charcoal and fluids and monitored him all day. The bill came to $758. Our claim form was already on file and the vet submitted it. About a week later I checked on the claim and it was already closed as my check was in the mail! I received the full amount, minus my $200 deductible. I recommend PetPlan to everyone.