My 3 yr old Lab, Lexi just had TTA (Tibial Tuberosity Advancement) surgery to repair a torn ACL. I took her to the Specialist that perfomed Arthroscopy Surgery on her and her sister Brandi when they were puppies for Elbow Dysplasia. Both surgeries are very expensive. I had different insurance for the girls when they were puppies and this other competitor, VPI didn't pay a dime for the surgery. Last year I finally had enough of VPI and switched to PetPlan. My experience with VPI was horrendous. The arguements and raising of my high blood pressure with VPI came to an end once I had the brains to switch to PetPlan. PetPlan paid exactly what my policy said they would pay. No arguing, no getting upset. I waited a short period of time and got a check in the mail and my husband and I were grinning ear to ear when it arrived. I spoke to one of the fantastic reps and asked her about subsequent office visits leading up to the surgery as well if covered and of course they were and I already got paid. PetPlan is wonderful-don't go with any other company. You will not regret getting insurance for your pet with PetPlan.