I purchased PetPlan last December after researching the various insurance plans through Cavalier Chat and Cavalier Connection, two web sites for people interested in King Charles Cavalier Spaniels. Many people on these sites speak very highly of PetPlan. On Monday I discovered a fairly large lump on the top of our Cavalier's foot. I took him to the vet immediately and they operated yesterday. I contacted the company today and they assured me that everything would be covered, minus my deduction. They will also cover the 2 follow-up appointments. Customer service is really amazing!