I am flabbergasted! I took out Petplan insurance for my two dogs last May. The "baby" who is a year and a half in age--wasn't feeling well on a Sunday. I can be neurotic, so I took her to our local veterinary emergency hospital that day. Well, to make a long story short--she had septic peritonitis and was admitted. She required emergency surgery, and six days later she was discharged with an $11,000 vet/hospital bill. YIKES! Guess what? Petplan paid 90% of the claim--minus my $200 deductible. I LOVE Petplan!