Our eight year-old pit bull mix starting limping after exercise and again in the evenings, when he'd been curled up asleep. We had him checked out, and our vet discovered that he had a torn ACL that had to be repaired. We submitted the paid invoices and doctor's notes to PetPlan, and they paid the claim in less than two weeks. There aren't a lot of insurance companies of any kind these days that are easy to deal with and quick to pay. I'd recommend PetPlan to anyone who needs to insure their pet against accidents and illnesses.