Checkers, our 8-year old Shih-Tzu mix, was in so much pain and we found out after an MRI that he had cervical disc disease and had to have cervical spine surgery. The total for all this was over $7,000. Pet Plan paid within 2 weeks ... WOW! What a relief to know we had this insurance. We had another dog that developed diabetes a few years ago and we had paid over $10,000 out of our own pocket before she passed in February. We knew we needed to get insurance for Checkers to cover these unexpected illnesses so we purchased it for him. We have had Pet Plan insurance for Checkers for 1-1/2 years now and we are thankful every day we have insurance after this latest incident. The reason I chose Pet Plan is because they are one of the few plans that cover congenital abnormalities, and we got to chose the percentage of coverage that best fit our budget. A little over $40.00 a month is well worth the peace of mind knowing that if something unexpectedly happens, he will be covered. Their Customer Service is OUTSTANDING. We even received a courtesy call asking how Checkers was doing. WOW ... an Insurance company that cares! We recommend PET PLAN to everyone we talk to!