Our Lil french bulldog, Rondo, has had 2 spine surgeries now. So sad!! With healthy paws we have a 500 deductible and 80% coverage...they pay the 80% of the entire bill which was about 6 grand. They don't pay for exams, so this was minus the 96 for exam, but all the costs of mri, meds, surgery, hospitalization they pay for. I'm happy we didn't have to make the choice to pay or put him down like so many other friends have told me they had to make. We love our bear!!