I bought this policy for my 7 week old pug/boston terrier mix in January. I made her first well visit on 1/22/15 and later that evening she landed strangely on her front leg and broke it. We had to go to two different ER's because the first one wanted $4,000 that night, in the middle of the night to repair her leg. We found another ER to keep her comfortable at a reasonable rate while we searched for an orthopedic surgeon. We luckily found a surgeon to fix her leg that weekend at a reasonable price. I was sure the Petplan, never having used them before was going to give us a difficult time about either her leg breaking on the day of her very first well visit or the fact we had three hospital bills in the matter of 24 hours. They did not! They paid all three claims (10% and $100 deductible) I am very pleased with Petplan. On another note when I called customer service they are right on top of things and very efficient.