We have had pets for years and never have had any experience with Pet insurance. We recently brought a Border Collie puppy into our family and I decided to do some research on pet insurance since Vet charges seem to be going up faster than Medical Doctors. I decided to purchase insurance from PetPlan insurance. After having the puppy for a few months, I noticed her limping one day and took her to the Vet. After X-Rays it was determined that she had OCD in her right shoulder and would require surgery. We sent the initial claim into PetPlan and they promptly paid the claim for the diagnosis. I was very surprised at how fast the claim was paid. The surgery was performed and a second claim was sent in. This claim was also paid within a week. I was very pleased that I decided to buy the insurance and had gone with PetPlan. There was never any delay with them processing the claims. I would recommend PetPlan for pet insurance to all pet owners.