Ive done a lot of research on pet insurance. So i picked Pet Plan (gopetplan.com). Thank god i did, i have 4 dogs all Siberian Huskies and one of the pups came up with Hip Displasia. She's 9 months old and had to have surgery, well i called pet plan and they said she was covered, Sure enough, one week after surgery i recieved my check in the mail. Now she goes back in july for the other hip. Thank you PET PLAN....Dont be afraid to use PET PLAN, sure like any other insurance, you have paper work to fill out, but weLl worth if you LOVE YOUR ANIMALS, LIKE I DO