I would recommend PetPlan to any pet parent, they are fantastic. My baby Nikki, a little black Maltese has had two operations, the first was for a bladder stone and the second was for an ACL, a knee problem. PetPlan processed my claim within a few days. It was such a relief to receive those checks. The rates for PetPlan are very reasonable and well-worth the expense. If you are considering Pet insurance seek out PetPlan, you won't be sorry They are the best.