Our dog had a GI tract obstruction and ended up having emergency surgery. I called to double-check our insurance and it was heartening to know that we were covered up to $10K (at 90%). It ended up costing around $5K and when I filed the claim, I spoke to Susan Potts, a "happiness manager". She said she'd expedite my claim as it was a large amount - the claim ended up being paid out before my dog's stitches have come out! This is not our first claim, and I have recommended PetPlan to anybody I know who has a pet. It's bad enough having to decide on the best treatment plan, so taking the financial component out of the equation makes a huge difference.