My large black rescue dog Sunny, is a real tomboy who enjoys non-stop play. She must be on a first name basis with Pet Plan, she has had distal tenden strains in both hind legs, several bouts of hemoragghic Gastroenteritis, and has finally been diagnosed with Inflammatory bowel disease, requiring the care of a specialist. We had the bronze plan last year and I never thought we would reach our policy limit, but we did. The Reps at Pet Plan have always been great, and our reimbursements have come promptly, per our policy guidelines. I thought it might be prudent to upgrade to the Silver Plan this year--better to have it and not need it--and that was easily accomplished.I wish my health insurance was as great as Pet Plan--maybe they should insure pet parents, too! I have recommended Pet Plan to all my doggie folk friends,, all my Vet offices,(and ER hospitals) and even gave a policy as a gift.