My vet clinic had brochures about PetPlan, and at the urging of a friend, I decided to get their insurance. My Havanese dog ended up having a luxating medial patella. When the surgeon went in to operate, he noticed he more problems with her knee and it ended up costing more than the estimate. I was skeptical about pet insurance and told myself, I believe when I see the check in my hand! PetPlan paid as promised. I am so glad I used PetPlan. My dog's other knee is at the same risk, because their is a 43 degree angle, instead of a normal 5 - 10 angle. I am comforted knowing that I have PetPlan should another surgery be necessary in the future. And, big bonus, they also said they would pay for Physical Therapy to help with rehabilitation! Also, I love that you post documents online to keep people informed of the claims process. YOU ROCK!