My poor doxie went from well to paralyzed in just 24 hours without incident and i was facing an $8K surgery, and the hospital needed an answer right then and there. As my husband paced the floor of the clinic sweating, I said, don't worry, PetPlan covers disk disease in dogs with no prior history. I tried to look confident as I questioned this in my mind. A look of disbelief covered his face as i turned to the doctor and said, "please do the surgery now." I took home my baby a few days later and submitted the claim. I had enough to worry about as he was very slow to even stand up again, that I didn't want to have to fight over an insurance claim. I was asked to submit all of the necessary notes and not to worry. Sure enough, my claim was paid without a hassle. My doxie is now a year out of surgery and back to playing and even running. Thank you PetPlan - especially Justin Worthington - for all of your kind reassurance and information. Truly professionals!!