I also have Pet Plan and unfortunately also have an accident prone dog. I have filed several claims to Pet Plan and all have been addressed promptly. I only had to submit the health history once when I initially signed up with Pet Plan. Since then, I just file the claims form. One claim they did not pay and that was for a pretty severe allergy reaction that took several vet visits. Pet Plan deemed that case a pre-existing condition (which was true) and that was based upon the history I provided upon initial subscription with them. So far in 3 years with the outfit, I have actually gotten more in payments than I have paid for my premiums....so I feel I am a winner!