I am so glad that we got pet plan insurance for my fur baby Duchess! I don't think she would be here if it weren't for pet plan... She is a happy, and loving 3 year old Bichon Frise and she loves everyone. She hurt her back one afternoon and it just proceeded to get worst the following day and I had to take her to her vet during emergency hours and they took X-rays and said her vertabrea looked swollen sent me home with anti inflammatories and pain medicine, but she proceeded to get worst over the weekend where she lost movement in her hind legs and was dragging them(worst feeling seeing your baby in that situation) so I called the vet and he recommened seeing the Nuerologist that comes only twice a week in our valley... So I had to wait for Monday morning. I went to her appointment and he said she needed surgery ASAP if not she can lose total walking ability in her hind legs. I called her insurance and the Nuerologist office was contacting them as well and we got the pre approval in a day and 1/2 and I schedule the appointment as soon as I got the approval and I was so happy I was in tears(mind you I was 8 months preggo with our first baby, so the stress of seeing her in pain was extreme for me)! If it weren't for pet plan we wouldn't be able to afford the much needed surgery that my little duchess needed! She is now walking (wobbly still) but she is slowing recovering and we couldn't be happier with the decision we made several years ago to purchase pet plan!!!!!!!