This is by far the best thing I've ever set up for my pup. I've gotten an ear full from lots of people who think paying monthly insurance on my sweet baby Bailey was foolish and crazy. But thank goodness for PetPlan because I would have never been able to afford Bailey's much needed neck surgery recently. Without hesitation I was able to get her surgery at the best animal hospital around us and knew I would be covered for the majority of the cost. The claims process is so easy and the refund came super quick. PetPlan is way better then any insurance i've ever had!