My little dog is quite fragile and accident prone. Recently he had to undergo emergency care, MRI's, X-rays, and surgery for his spine. PetPlan paid the full amount of our coverage and did so in a timely manner. If we didn't have pet insurance we would have had to pay more than $14,000. This made things so much easier financially, that we did not have to pay such a gigantic vet bill. Also, in other instances that my dog has needed to see the vet or had an emergency, I felt I was treated fairly by the claims adjusters and have no complaints at all. I am so happy I went with PetPlan for insurance.