My American Bulldog, Mikey, loves to eat. Unfortunately, he does not always eat food. He also loves underwear and towels. We do our best to make sure he can't get a hold of anything that will hurt him, but he can be very sneaky. In the past 6 months he has had TWO surgeries to remove foreign objects from his intestines. (Plus he had one surgery a few years ago, which was my reason for purchasing insurance.) Without surgery, Mikey would have died because the fabric was stuck and could not pass through the intestines. PetPlan was WONDERFUL. They took care of both surgeries, in full after my small deductible. I uploaded pictures of the bills via their mobile app and received checks in the mail within two weeks with absolutely no hassle, no questions, no red tape. I have recommended PetPlan to all the pet owners I know and will continue to do so. Mikey wouldn't be here without them because I wouldn't have been able to afford to have the surgeries. I can't say enough good things about this insurance. Incidentally, my vet is amazed at how good this plan is. Mikey has become the poster child at my vet office to encourage others to buy pet insurance.