Oakley ruptured her cruciate in July at the age of 3, she is a chocolate lab and everyone tried to talk me out of insurance for her! I did however purchase the insurance and am I ever glad! Pet Plan has been absolutely awesome throughout this whole process! The Happiness Managers are very helpful and I have been especially impressed with Kelly Hinshaw who has gone over and above to sort through Oakley's claim. Pet Plan not only covered her surgery but all of the follow up appointments that went along with it. I have renewed my policy and increased my coverage based on how everything worked out for Oakley and our family.