I never thought the following words would pass my lips about an insurance company: they are wonderful. Our 8 month old lab mix puppy just had surgery for elbow dysplasia, and numerous X-rays and an MRI were needed in order to diagnose this. The total was more than 6000 dollars. Getting the money refunded was incredibly easy and hassle-free and I would recommend this insurance to anyone in a heartbeat.
One thing, when you sign up you have a limited number of time to add hip dysplasia for a small fee each month. It seemed crazy to do this for a puppy but now we wish that we'd signed up for it (no problem getting the elbow dysplasia covered, though).