My Boston Terrier Ariel tore her ACL. Petplan paid for the surgery ($2000) and then the seven weeks of PT that was recommended ($600). She's now looking forward to going back to agility, and bringing her new baby sister, whom I insured the day she came home. I am hoping the PT has strengthened her enough that her other ACL won't tear. After seeing way too many vet disasters among my friends, and myself, I made the decision to not get a pet I couldn't afford to insure. Petplan was fast, accurate, and paid without a question. It helps to know what your policy covers, and to submit the materials they way they want them!