We have had our Newfoundland, Ch Old Bay's Screech Rhum Rudder covered with PetPlan since the day we got him @ 10 weeks old. In September of last year, he ruptured his right ACL and it was off to our wonderful vet who repaired it totally. PetPlan could not have been more helpful to both me and my vet's office in completing our claim forms. They were equally as helpful earlier this month when he ruptured the left ACL. The customer service is better than any medical company I've worked with (and I work in a hospital)...they act as if I'm an old friend when I call and are always so concerned for Rudd's health and how he's recovering from his surgeries. Our claims are settled quickly, no denials (like human insurance). I compared many companies before I chose PetPlan and when we got our new puppy last year, the first call I made was to enroll him in PetPlan before he left the breeders for the trip to our house. A Perfect 10 in my books!!