Love Petplan! We decided to take insurance out for our Lab Mix, since he seemed to seek out trouble early on. Not long after his first exam clearing his knees, he tore his cruciate ligament. We held off on the surgery (even with insurance) since it was very invasive...though after a few months he was in so much pain, we had no choice than to proceed with it. We found the best surgeon in the country right here in California...so lucky! Max had his surgery and two weeks later I had a check in my hand from Petplan for 80% of the bill. I highly recommend this company. My only suggestion is that you follow the guidelines of the policy. As soon as your policy is active, get your pet a full exam by your vet - especially the knees if you have a dog.