Our girl Breezy tore her ccl on her left knee last Labor Day weekend. Didn't know what to expect having never dealt with animal injuries this severe. We purchased Petplan a few months earlier at age 7 as insurance against cancer or any dibilitating disease, little did we know how important the purchase would be. Petplan paid all but the deductible with little delay, nearly 4000.00. The story doesn`t end here either! 7 months later she tore her right ccl! Poor girl! And back to the vet we went. Just got the final reimbursement check and it came before the credit card payment due date! That is Gold standard coverage. In less than 1 year they paid for 2 ccl`s minus the deductible and 10% copay which, believe me, we were happy to pay. We researched pet insurance for several weeks before we settled on Petplan, and we could never have purchased any better. That's our testimonial and I stand by it completely. Love this company, they helped save my Girl!