The claim has not been completed yet. I just wanted to say that the only thing I do not like is how Petplan applies your 20% co-pay to the total amount of the claim BEFORE they do the deductible. Not a huge deal, but not what I'd call normal. Anyway, they have come through twice for my dog. Once when he got hit by a car, and now with a torn cruciate ligament in his back leg. Megan M from Petplan is very empathetic. You can tell she loves her work, and understand what you're going through. She is very understanding, patient and kind. I have the gold plan on my Beagle with the $200 deductible. I almost did not continue the insurance. I'm so glad I did. With claims of over $4000, I would have had to have my dog put down if I did not renew the insurance. The premium may seem like a lot when it's time to pay, but it's cheap compared to having a knee repaired.