My dog had a routine tooth cleaning turn into dental surgery. It was an unexpected expense, but I was actually kind of excited to put my insurance to the test. It took a while to get documents together which extended my claim time, but PetPlan (thanks Melissa!) was able to help me every step of the way to speed up the process. Once I was able to get all my documents in order, they reimbursed me within a week! I hope I never have to use my insurance again - but it paid for itself in one vist!