My 4 yr. old yorkie came down with pancreatitis. He was admitted to an emergency hospital and then had to have a follow-up visit at my vet. We immediately submitted claim forms from both the emergency hospital and my veterinarian after each visit. I received my reimbursement of expenses within days of submission. I am unemployed and don't know how I would have paid for his treatment if I didn't have Pet Plan. Plus their customer service was excellent when I had questions regarding my coverage & reimbursement. I strongly recommend having pet insurance. Even more so - Pet Plan! I researched them all & Pet Plan has the best policy choices.