Last year my now 2 year old yorkiepoo started having severe itching. After working with our Vet for 6 months, we got a referal to a Vet who specializes in skin disorders. Each time we go, the cost is usually around $800 or more. Petplan paid it everytime. I didn't know that when you are referred to a specialist they pay 70% of the bill, which as of July '11 has been increased to 80%, but let me tell you that the last bill with the specialist was over $800 which they paid 80%. I have no difficulty with this. They are quick to pay and there is a full explaination . I've recomended them to anyone who has a pet.