I've been a voice crying in the wilderness about the awesomeness of Petplan's coverage, but my friends have all just been sitting back watching me pay premiums and shaking their heads. But I just received the second, substantial check for my Boston Terrier's ACL assessment and repair, fast and with no questions. I am very happy with the range of coverage--PT, even--and with my choice of deductible and copay range. We are getting a puppy next month and I'll be signing her up. I don't actually think my friends will sign up, even though vet care is way more expensive and inevitable than it was when we were growing up. But I'll never have another pet without it.