Our Akita sufferred from a genetic defect called Cryptorchidism (failure of the testicles to drop after birth). Our Akita needed an operation to remove his testicles that where lodged in his stomach. We submitted our Vet bill of $1400 and was reimbursed promptly less the deductible and co-insurance. No reasonable and customary deductions where made. Thank you PetPlan-USA and The Humane Society of the United States (HSUS) for endorsing this first class program. I have been a Pet Insurance buyer for over 20 years and have never had a better experience.