Our little cairn terrier Isabel, a rescue about 6 years old, developed a ruptured gall bladder which required emergency surgery and a 3 day hospital stay. We could not have done this without Petplan Pet Insurance. I got it over a year ago, and had recently renewed it for another year. Isabel had been to the vet for regular check ups and shots and was always in good health, so this incident was a shock. The bill was $7300 and we received a check for $6400 which was 90 percent of covered costs after the $200 deductible. I can't say enough good things about this company. Reimbursement was quick too. After our experience, my sister called and got her dog on this plan.