Maxie, our beautiful and highly energetic 1.5 yr old lab, tore her knee ligaments running down a hill. We rushed her to the closest vet and afterwards to the best emergency and surgical center in the area. When it was all over, Maxie had 5 vet visits and one major surgery. Petplan helped me get the vets to do all the paperwork correctly so we could be reimbursed quickly. The website and email communication is excellent and the personal customer service is really first class. When I bought the insurance I thought that we wouldn't need this kind of coverage but thankfully we made the right decission!