Anyone who doesn't have PetPlan for their animal should. Our vet recommended it over others that is offered in their clinic. Our beautiful 2 almost 3 year old Buddy was limping on three legs, Being an active guy he tore an ACL in his right leg. He had surgery 2 months ago is now healing fine. PetPlan paid fortytwo hundred and change several weeks ago. What a relief from a financial stress.