My 3 year old shepherd/lab mix Hugo, ruptured his crudiate ligament and required TPLO surgery this past December (and anyone who's been through this, knows how expensive this surgery is). I've had PetPlan for a little over a year now. The claims adjuster who handled our case (Johanna) was as nice as she could be. It eased my mind greatly to know I did not have to beg, borrow or steal :-) to make sure Hugo got the best care, PetPlan did that for us. They paid almost the whole bill! What a Godsend they are...I could not be happier. They are even paying most of the cost of rehab when Hugo is ready. This is the way to go for anyone who has pets, I highly recommend them!!