Pet plan is only good if you get it when your dog is a puppy! My GSD had to have bilateral elbow surgery due to a congenital abnormality. They refused to pay for one side because she had a bout of panositosis "growing pains" on that side in the past. Sent for appeal with letter from vet saying unrelated. They preceded to give me th run around 10 phone calls and 4 months later they are still dodging my calls!