Our three year old Yorkie Paisley needed her knee fixed!It kept popping out and she was limping. So surgery was the only way to fix it! I got the surgery pre authorized so I knew exactly how much our part to pay would be. Pet Plan came through and paid 1661.00(I have the Bronze Plan) with in three weeks of her surgery. I'm so happy we picked Pet Plan. Actually it was a referral from my sister who had gone thru two other pet insurance companies before she tried Pet Plan and told me Pet Plan was the best out of the three companies hands (or paws) down!