My little 3 year old pom has been a source of crazy problems recently and they are still on going. If it wasn't for gopetplan, I don't know what I would do. I would be well under $2000 and counting. Unfortunately, my Kuro has a skin condition, which the vets have attributed to allergies. However, we can't seem to cure the bacteria infections that keep coming back and cannot get to the source of his allergies. I have tried so many things with this dog, my mind is spinning. The worst part about it is that I see him being itchy and trying to scratch himself, and it makes me feel terrible that I can't solve the problem. On top of that he had a fall recently that hurt either his shoulders or neck area, the vets can't figure out without an MRI and the fall hurt his knees. We are waiting to see if his shoulder will get better on its own with limited use and activity. The knees, the vet says, will most likely require surgery but for now will be closely monitored. I really don't know what I would have done without this insurance company, especially considering that I recently became a student again and have no source of income. This company is super fast, efficient, and easy to deal with. The service is friendly and always helpful. There is nothing more I could ask for.