Willie is a 2 year old lab/boxer mix. When he turned a year old, I decided to get insurance for him because I figured he would hurt himself running/chasing/and playing with other dogs since he doesn't seem to care much for his well being. PetPlan had pretty good rates for him, so I chose them. 6 months later, he tore his CCL while catching a frisbee. I was worried that PetPlan would not cover this injury since I had read that many pet insurance companies would not cover this type of injury, but when I called them, they said no problem. My first claim to PetPlan was the orthopedic consult. I had more trouble getting the vets to send in the right paperwork, and PetPlan even tried to help me. The customer service lady was great. When I got the check from PetPlan, the amount was less than what I should have been reimbursed. When I called PetPlan, they immediately recognized the error and sent the remaining amount. The second claim to PetPlan was the surgery -> TPLO. Once again, I had more trouble with the vet turning in the proper paper work. But, once that was done, PetPlan reimbursed me for exactly the right amount per the plan. Since the surgery check was substantially larger, it took a longer time for me to get the check, but they did come through. I would still be in some serious debt without this insurance, and despite the fact that I am sure my rates will go up after this claim (Willie has a good chance of tearing his other CCL since the first one tore at such a young age), I will be sticking with PetPlan. By the way, 4 months after surgery, Willie is doing great; he is running with wild abandon once again.