We have had PetPlan coverage for over 10 years for multiple dogs in our family. Pet Plan has always come through for us on major medical expenses. One of our family members has just gone through a double TPLO and PetPlan processed our claims very quickly for each surgery and the following rehabilitation. If you are aware of what your policy does/does not cover, and you submit the required documentation in a timely manner, you will find your claim to processed very quickly. I have recommended PetPlan to numerous friends and many of their pets are now covered by PetPlan.