My dog had his 2nd knee surgery a few weeks ago. Just like the first time, my experience with PetPlan was quick and easy. The vet that we used submitted the paper work for me, and in less than 2 weeks I received my check in the exact amount that I was expecting. No issues whatsoever. I was sent an email after the claim was submitted and was able to check the status of the claim on line very easily. I highly recommend PetPlan if you are thinking of getting pet insurance. Everything is so expensive and you never know what can happen. I feel it's worth every penny.