Our 3 year old chocolate lab tore one ACL and meniscus in March and then the other one in June. She had surgery on both knees, which wasn't cheap. Petplan was awesome to deal with and reimbursed us 80% of the cost of the surgeries. They're claim process is easy and straightforward and they are pretty quick with the turnaround. We've also had to use Petplan for other issues and they've been great.