Jada is my 7 year old lab mix. If you look at PetPlan's web site, they must have been referencing her with the quote "my friends call me Trouble - my vet calls me You Again." After paying $3,500 for her ACL surgery, I researched pet insurance and decided to choose PetPlan. Jada's other ACL tore after I had purchased their insurance and I did not have a problem with reimbursement. Jada has had a lot of issues over the last two years including another incident where she needed a CAT scan and spinal tap when she slipped and fell on our tile floor and couldn't walk on her hind legs. Again there was no problem with payment. I am so happy that I went with them. I am glad that I have not had to make a decision to put her down or let her suffer because I could not afford these expensive procedures. The staff at PetPlan has been very helpful and the very few times I have questioned that I thought something should have been paid, they reviewed it with additional backup information and I have been reimbursed for it. I love their magazine "Fetch" with all their informative articles and the way it is presented. I also enjoy their vet blogs which I find very helpful. I have been with PetPlan for three years and I can say PetPlan is the best choice I made - thanks PetPlan for making it possible for Jada to enjoy a healthy life!