My Pit Bull Mix started limping recently and I was a little concerned It might have to do with her hips or elbow. I took her to the vet who put her on medication to see if the condition would subside. Unfortunately it did not and I had to take her back to get x-rays done. The vet said the x-rays did not show any problem and put her on a steroid to again see if it would help. I didn't know anyone who had Pet Plan for insurance and was at first a little skeptical about getting it, but let me tell you I would recommend and have recommended this insurance to many other dog owners. The only thing I paid for between the two visits was my $50 office visit the first time I saw the vet. Pet Plan reimbursed me for everything else. I am confident that if Payton still has a problem I have nothing to worry about because they will take care of the medical bills. It is unbelievable how fast they reimburse you after they receive all necessary paper work, and the people who work for them are very helpful and understanding. Love this plan.