My puppy Sadie was born healthy and happy. When she was about 10 months old she developed a serious case of inflammatory bowel disease. She has had to see specialists and takes medication costing about $100. a month. Recently as she approached her 3rd birthday she ruptured her crucia in her left anterior knee and damaged her meniscus. $3200.00 later and following knee surgery last week she is on the mend. Pet plan has been there to help all the way. They pay claims as advertised and quickly. They are great!!!