I have Petplan and I love it. I had made 2 payments when Buster was diagnosed with Luxating Patella a knee problem common is small breeds. He has it in both rear legs. We got the surgery for one knee and will do the other in the future. The costs for the orthopedic specialist and surgery was over $4000.00. Petplan paid their percentage less my deductible without any hesitation. I can pay for his insurance for almost ten years and still come out ahead with what I saved. But you must have the insurance before you dog is diagnosed with a problem or it is excluded as a preexisting condition. Even with insurance it is important to have a medical emergency fund because insurance pays you back so you have to have the money initially.
PS It is very important to find out in there is a limit per year or per incident. If it is per year then it resets each year if it is per incident if you use up the money allowed the first year and the problems returns you have used up your funding for that incident/illness/injury. My two choices were Petplan and Trupanion. I liked Petplan because they allow/cover alternative therapies
faq from Petplan USA