I have been with Pet Plan for a few years now. In 2009, my dog Hermes had to have surgery on his ankle - all the ligaments around the joint were torn and he had to have a plate put in. Needless to say, it was an expensive procedure, and he had to go through 2 surgeries. My reason for getting insurance was because I never wanted to be faced with the decision that comes with not having the money and my dog's life. Pet Plan responded in a timely manner and most of his surgery was covered. Most recently, Hermes had to have oral surgery on a growth in his mouth. Once again, I was thankful for having this insurance. My 2 dogs and I thank you!!