We have insurance on two dogs (3 year old boxer and 2 year old boxer/mastiff mix. We chose the silver plan with $200 deductible. Recently the boxer/mastiff mix dog injured both knees. We submitted pre-authorization forms for her knee surgeries. Both knee surgeries were approved quickly. After the first surgery, we submitted the claim forms (actually, the vet did) and they sent the check for $3,228.50 (80%) in less than a week. We are set to do the second knee on March 20, 2012. We highly recommend Petplan!