I have a Havanese and I insured her with plan 4! I had to do surgery on her both knees. Do you know what the Petsecure did? They paid the cost but immediately they sent me a letter that they are not going to pay 80% of expenses anymore and they will pay just 50% from now on. however they are charging me for plan 4 monthly but only paying 50% of medical expenses. I am going to cancel my plan and I am not going to use this insurance company for my second dog!