Petplan is an amazing company and policy for your dog. I have had this for my dog since I brought him home at 8 weeks. Since that time I have made 4 claims (ingesting foreign object, dog bite, elbow surgery, abscess). Each time Petplan has reviewed my claim quickly and reimbursed me as my policy dictates. The first time I made a claim they were very helpful in walking me through. I'm hopeful that my dog will stay out of trouble - I bought the policy because I didn't want my dogs care to come down to a finical decision in the case of something major. I would never go without Petplan.