I adopted an older Brussels Griffon who had been surrendered to a shelter. I picked a plan with a premium and deductibles that I could afford. In less than a year, Grace needed $1200 worth of dental surgery and then another $1100 for an overnight hospital stay for severe GI distress. PetPlan came through quickly. Since then, Grace needed to see an eye specialist ($500) and had another visit to the veterinary ER ($1200, plus ongoing physical therapy). PetPlan always pays promptly, and the staff is very helpful when you have questions. I always recommend PetPlan to other dog owners.