Our 4yr.old Doxie had to have surgery for a herniated disc. The total cost was over $7,000. PetPlan sent us a check paying for %80 minus the $200 deductible, no questions asked. Precious to that they paid to remove an abscess on the same dog caused by a foxtail, that surgery was over $1100. There are only 2 forms to fill out and customer service is very helpful.