I'm very thankful that we choose to insure our sweet black lab. She was a full bread lab with many issues. The website to PetPlan was extremely easy to use. I print a claim form and all my information is right there. They always paid without a fight. I would recommend PetPlan to my friends. I've heard of nightmare dog insurance so I'm grateful the insurance I choose was a good company. I just got lucky for I never read any rating.