My Zippy tore both of her ACL's within a year, and Pet Plan covered both surgeries in full. (Bronze plan/$200 deductible) Not only were both fully reimbursed, I received both checks within 10 total days of claim submission. Every time I called to speak to someone, I was connected to some of the nicest most sympathetic people. All they wanted to do was help, and ease my mind. Every time I am at my vet, I tell them to tell all of their clients to forget about the other companies and go with Pet Plan. I also tell all new pet owners. You cannot go wrong.