We rescued a much abused puppy not knowing the long term implications. After over $10,000 in surgeries on her elbows and knees I decided to get pet insurance "just in case" something drastic happened, knowing her previous injuries would not be covered. I'm glad I did this. It turns out that she suffered trauma to her hip and needed a replacement when she was 4 years old! The people at Pet Plan were very helpful in giving instructions for prior approvals and Scout had her hip replaced. Two days after she returned home she broke her leg the implant is in! She had to go back for surgery. Sixteen months and a lot of physical and laser therapy, not to mention all the prescriptions later, Scout is walking an hour each morning and playing with our other rescued pets. We would not have been able to afford the surgeries and follow up therapies and medications if it were not for Pet Plan USA. We have a wonderful dog with excellent quality of life that just turned 6. Thanks Pet Plan for saving her life!