I have been working in the veterinary field for the last twenty years on and off, and I have seen how veterinary care has not only become more specialized, but the cost has increased significantly at the same time. I had a Lab that had orthopedic issues, so when I got my second Labrador I did my research and chose PetPlan. Gabby is now five, and is not showing any orthopedic issues, but has developed over the last couple of years chronic skin and food allergies. Thanks to PetPlan I can afford to provide her with the best medications in he field to keep her happy, and healthy. At one time she chewed herself so bad, that she was on antibiotics, topical medications, prednisone, etc, plus an e-collar. I did not want my girl to suffer, and found out at the same time that her insurance covered that kind of care. What a blessing! I submitted my expenses to them, and within nine days I had my check in the mail. Thanks to PetPlan my girl has forgotten the misery of her allergies.