Our beagle blew out his right knee in the summer of 2014. We did at home rehab but then he blew out the left knee this past February. We opted for the surgery on both knees to repair his crutiate ligaments. Not an inexpensive surgery, but we have the silver plan for both our beagles. The first claim for the ER visit took a little long, but the claim for the surgery was rather quick. Very pleased with the plan overall.