I specifically chose Petplan when researching pet insurance as they indicated they would cover both knees for a Canine Cruciate Ligament repair, and true to their word - when my dog Diesel tore his first CCL last Novermber, Petplan promptly paid the claim. As often happens, the second CCL tore in March, and again, Petplan reimbursed us for their share of the surgery. Diesel had complications from the second surgery and struggled through a staph infection for several months (with hundreds of dollars worth of antibiotics). All covered. As the veterinarians were evaluating the staph infection, they discovered Diesel had Wobblers Syndrome, and we needed an MRI to find out the severity. PetPlan again came through for us. I am truly impressed that rather than spending energy trying to avoid claims, they are really there when you need them.