I perchased petplan at the time I recieved my little girl Mika lu. About 3 to 4 weeks later I found out that she had what was considered a congenital disease.(liver shunt)I was sure that she would not be covered. But to my surprise they took care of all her vet bills with no problem. With out petplan to cover Mika lu's surgery I don't know how long I would have had her.So as far as i am concerned they saved her life.Without the sugery Mika lu may have only made it for a nother 10 mo. or so . So when any body asks I will tell them petplan is the Best and only insurance I will ever choose.