I have 2 English Bulldogs, our first I put on VPI and never needed it for anything until she was about 3 and dislocated her knee (very common) she's an extremely active Bully and there was no other option but surgery, VPI said it was excluded because it happens so much to dogs! lol so why had I been paying them? Since we had 1 year old bully as well I did some research and found Petplan, No exclusions unless it's pre-existing! I couldn't believe it! so I called and spoke with a Rep and used my older bully as an example. "what if her opoosite knee gets hurt?" covered no problem was the answer I got for all my questions so I put my other Bully on Petplan, low and behold 3/4 months later he tears his meniscus! Two dogs in one year! $$$ he had his surgery and I submitted my claim by fax within two weeks I received a check minus the %30 for emergencies and minus my chosen $200 deductible, No hassle's or treying to find a way to not pay me. after coming out of pocket around 5k for the first dog, coming out of pocket approx 1k was beyond a relief!! So thank you petplan for your great customer service and no hassle claim process!!