I have a 5 year old lab mix that we discovered a tumor on her side almost a year ago. They found the tumor to be a Lipoma(not cancerous) but unfortunately it was growing into her muscle and rib cage so we opted to have it removed. The nice thing that I love about petplan is there pre-authorization process. I was able to submit the pre authorization and within 2 days they got back to me to let me know her surgery would be covered. Petplan paid but unfortunately a few months later her tumor came back and this time she had to have surgery and radiation treatment. Once again Petplan paid for both the surgery and radiation treatment which is very costly. I really don't know what I would of done if I didn't have the insurance. The people at Petplan are great. Even when I had questions and called on the phone they were very informative and nice. My checks always came within 2 weeks of submitting the claim. Getting insurance was the best decision I made.