My dog started to not use his back leg and I took him to the vet. While there I found he had a torn tenden. The bill that day was over $400 and the surgery would be $3,400. That is alot of money but my insurance plan took care of $3,158.00. This plan is well worth every penny. They were available by phone to answer any questions and the claim forms on line were easy to get to,easy to fill out and their payment was back to me in a little over a week. Great service and peace of mind is priceless!