I cannot praise PetPlan enough and I keep praising them to the multiple vet clinics we have had this misfortune to visit this year. Our not quite (when diagnosed) year old golden was diagnosed with bilateral patella luxation in December of 2012. He had his first surgery in early January. I submitted a claim to PetPlan the Monday following the surgery and had a check in my mailbox the following Monday to cover 80% of the charges. I'm not sure we could have afforded the surgeries as well as the subsequent follow-up rechecks and rehab therapies without the wonderful help of the people at Pet Plan. I highly recommend Petplan Insurance to all pet owners.