Our dog Bentley a Goldendoodle, developed a spontaneous pneumothorax, aka a collapsed lung. We took him to Northstar vets, an excellent critical care hospital. Bentley was admitted spent 12 days in ICU and needed lung surgery. Our bill was over 13,000 dollars. We had the silver plan which covers up to 14,000 dollars. We were able to give our dog all the care he needed and have the confidence to know we had a great pet insurance company behind us. Our liability was our 200 dollar deductible Petplan took care of the rest! Bentley has had other health issues in the past and Petplan has come through every time. Their customer service is fantastic with friendly caring service. I recommend Petplan to any pet owner who wants to be able to give their pet the best care and not worry if they will be able to afford it. We would have been financially stressed if not for Petplan. We had the confidence to allow all procedures necessary to get Bentley back to health. Finally, Bentley is doing great right now and for a 12 year old he still acts like a puppy at times. Thanks again to Petplan .