When I returned home from work, Tanq was limping badly and only using 3 of his legs. I wasn't sure what had happened, so I took him to the vet who took some X-rays. It turns out there wasn't any serious damage. Nothing that rest and some medications couldn't take care of. I may be over-protective, but I'd rather be safe than sorry. PetPlan insurance covered everything; I just had to pay my deductible. In about a week, my reimbursement check came in the mail. Excellent service! The insurance company worked with the vet to make sure my claim was processed and expedited as efficiently as possible.