My cat fractured his leg and required surgery, medical boarding, and frequent x-rays to monitor the healing of fracture. If not for pet plan, I don't know what I would have done as all the expenses were close to $10000. With pet plan, I never had to think twice whether my cat would get the surgery. They covered 80 percent of all the bills and were very quick in sending me the checks. I am so happy I got this insurance! GeForce the accident happened.