I got Scamp insured just after adopting her (foster failure!) at 12 weeks old. A growth defect was causing her some serious issues around a year old. I went to see a surgeon who suggested a $4000 oestotemy to correct the twisted bone growth and prevent further issues and arthritis. I was able to have the surgery pre-certified to be gaurenteed it would be covered, the surgery and the follow up exams were reimbursed at 80% after the deductable. Without it surgery would have been a much harder option. I believe the therapy swimming I just purchased should be reimbursed on the plan. They are an easy company to work with!