We adopted our little Shih Tzu from the local SPCA. Needless to say, it was love at first sight and Callie has now been with us almost seven years. The first three years we had her, there were no health issues. The first time we felt 2-3 lumps on her, we panicked. They turned out to be benign cysts. Unfortunately, new lumps appeared a year or so later, and these, too, were removed with more extensive surgery. We have been told that she is just one of those breeds who may be prone to cyst growth. Pet Plan has covered the costs for both episodes according to the plan we selected. The reimbursements have come within 2 weeks, for which we were so grateful. Pet Plan's customer service is so far superior to other plans (we have had another) and questions and concerns are handled so quickly. The people who provide customer service seem to genuinely care about your pet(s)-- something we really appreciate! We travel frequently with her and have our claim form(s) and information with us in the event of an emergency. We picked Pet Plan because of the reviews we read and because of their HSUS endorsement. Thank you from a grateful pet owner.