My small terrier jumps on and off the sofa and chases our boxers. Came home from work one evening and he was unable to walk. Took him to the vet and they diagnosed a torn ACL in both rear legs. First visit and tests came to $460. Surgery the next week on one of the legs to repair the ACL came to $1070. Submited both claims along with documentation and received a check about a week later. What would have been a major financial expense ended up costing the $100 deductable. Wow!! Love Petplan.