We have two beagles; our male dog linus required surgery for torn ligaments-there was no question regarding coverage for the type of procedure we opted to have; we could not have been more pleased. our female dog, lucy is our golden girl-she has multiple problems and we have had to submit numerous claims; they are always handled promptly and fairly. also, i find the company easy to contact, and with very friendly and knowledgeable phone staff. we have had this insurance for a few years and could not be happier. thank you so much pets best-the peace of mind makes it so worth while.