We've had PetPlan for the last 2 years covering our 2.5 year old dog. Through a nasty ear infection she got jumping into a dirty pond ($400 total cost) to knee surgery for a condition common to her breed ($1600 and counting!) PetPlan has been quick to pay her bills. You can choose different plans and deductibles, but at $280/yr. for a $200 deductible and 100% coverage up to $8000, they can't be beat. So far over the last 2 years, we've paid a total of $560 in premiums, $400 in deductibles, and PetPlan has paid us $1600 in total claims. Don't hesitate- get PetPlan.