I rescued two yellow lab puppies and did months of research to find a decent, reputable pet insurance. A friend highly recommended pet plan and I signed up July of 2013. Gus has not been able to be much of a puppy. In September 2013 he had SHO surgery on his right leg for elbow dysplasia and surgery on the left too. After months of rehab when I thought he could start acting like a puppy without restrictions Gus got diagnosed with bilateral hip dysplasia. Gus had a TPO on his left hip May 13th, he is 4 weeks post op and doing awesome!!!!!! Pet plan is quick to reimburse..as soon as your claim is submitted they notify you they have received the claim and reimbursement follows shortly. You can even view on line the status of claim. Most plans do not cover hereditary issue's such as dysplasia. Pet plan is amazing.... I advise anyone who gets a dog or cat to join....you never know when you will need it....I honestly never thought I would need to utilize them. I would never go without it. I love the Fetch magazine too !! Thanks pet plan, you ROCK!!