It is such a comfort to know that I won't have to put my dog down because I can't afford her care. She's gat bilateral cruciate ligaments torn seeds surgical repair to the tune of about 8000.00. I pay my 500 deductible(I paid that for the diagnostics - sedation for large dog x-rays) and now I only have to pay 90% of that. It includes much needed and expensive meds. So glad I bought this - they have been great - very caring. Highly recommended. I talked the hubby into it by telling him if the premiums (about $60.00 a month) add up to say, $800.00 for the year, and then she needs major surgery we are golden, only having paid the deductible and 10%.