Petplan has saved our frenchie, Gronk, when he needed to have emergency surgery for herniated discs. The first time was in 2015 and the second time was in 2016. Their customer service reps answered our questions and they processed our claim very quickly. The second time we received our check two weeks after surgery. We recommend Petplan to everyone we know that has pets, all or friends and our Vet, so they can spread the word since Gronk has been covered twice.