We lost a German Shepherd female at only 4 years of age due to a spinal problem that this breed "never gets" and expensive neuro surgery didn't repair the problem despite the fact that there supposedly is an 80% success rate. We soon replaced her with another female, who was discovered to have bi lateral hip dysplasia when being neutered. My vet had recommended pet plan. She has had surgery on only one of her hips; but it has been a success so far. Petplan paid for the bulk of the related expense, for which we were very grateful. The only things that Petplan should change (which it currently is working on) are eliminating the reduced coverage for specialists, veterniary specialty hospitals and teaching hospitals; but I'm told they are in the process of doing this. The should also make a normal wellness policy or rider available at additional expense, since things like spaying aren't covered even though they save the insurer money if neutering is done before the dog's first heat, due to a greatly reduced chance of breast cancer if the surgery is performed at that time.