When I ended up spending almost $6k on my dog before insurance, I knew that petplan was something I needed, even for just the piece of mind. The pre-approval paperwork and forms are a little daunting when you have multiple vets to contact and faxes to make, but after surgery was scheduled it took only about a week for the pre-approval paperwork to be finished. Petplan worked with me and expedited the process when they knew the surgery date was approaching. Each time I contact someone via the online chat or email, they were very helpful and answered my questions about what additional information I needed to provide and how/where to send it. They also sent me email updates about my claim. More importantly though, they asked how my dog was doing after surgery and wished her a speedy recovery :) I hope I don’t have to work with petplan again, but if I do, I’m glad I have them!