We got a new puppy Nov 30, 2011. We got Petplan Insurance for her in Feb. In June she got Cherry Eye, we waited to see if it would go back in on its own, and it did not. I "called" Petplan to find out if this condition was covered, and it was. Our little Lhaso Ahpso had her eye surgery in Nov. So we had only had the Insurance from Feb to Nov. We paid our $100.00 deductible and Petplan paid $430.00 of the $560.00 bill. What a blessing! And it only took them a couple of weeks to get a check out to us!! They were quick, efficient, and courteous and the whole experience was wonderful. Thank you Petplan!! Sam & Mary Arizona.