I let my dog Bailey out in the yard to run and within minutes he came back to me holding up his rear leg. I knew immediately what had happened. He had torn his cruciate ligament. The cost for the surgery was $3450. Thank goodness I have PetPlan. I received a check for $2560 within a week of submitting the claim. When I decided to get pet insurance I researched for hours and found that PetPlan was the best pet insurance out there and I highly recommend it.