My 2 year old toy poodle, Charlie Wigglebutt needed spinal surgery for a collapsed disk. I was very worried that I'd have a problem collecting the 80% coverage for the more than $7K bill. I phoned Pet Plan and was assured the surgery would be covered and it was. The agents were understanding, sympathetic and patient with my questions. I received my check in plenty of time to pay my credit card bill. I would recommend Pet Plan to anyone who has a pet. My pup is a youngster and I never thought I'd need the insurance but took it out at the urging of my sister & brother in law. I'm so glad I did.