I have a 4 1\2 year old Labradoodle. She tore her cruciate ligament on the left leg last year and needed a TPLO surgery. The vet bill was $3000. Since I had already met my deductible, Pets Best covered all of the bill except for my 20%. She had to undergo the same surgery this month on the other leg and Pets Best covered the surgery again. I file the claims electronically and usually have my money direct deposited within one week.