I own a pet grooming shop and a 9 year old lab (Georgee). I had a policy with another company and was not happy with their assessment of "reasonable and customary" charges. My policy with Pet Plan covers 80% of what I am charged less a $200 deductible. I originally got insurance because 6 of my customers who own labs needed surgery to remove obstructions in their digestive track. Little did I know that about 3 years after purchasing my policy that Georgee's knees would need reconstructive surgery. I just had her first knee repaired. The bill was over $6000 with another one still to be done Thank goodness for Pet Plan. Not only did they pay as expected but expedited the check. I received it in less than 2 weeks and in enough time to pay off the credit card I used to pay the vet. I called them A LOT. They always answered all my questions and were VERY supportive. I can't recommend them enough.