I have two mixed breed dogs covered. The older one (9 yrs) first developed liver failure. This plan has not only covered her vet costs but even the diet suppliment that the vet put her on. While treating the liver we noticed a mass had developed on one of her toes. Surgery and biopsy revealed a malignant melanoma. All costs covered! Off to an oncology specialist, more tests & biopsies. ALL COVERED! We are now entering the "treatment phase." Guess what? all covered! ok..I'm a believer.