I insured my puppy from the age of 4 months. She had a few GI incidents (as puppies do). By the time they subtracted the deductible each time, and charges for office visits and everything else, they barely paid anything. The response time was good, for what they paid. Then they notified me the premium was increasing by about 20% a year later. The cost vs what they actually covered is just not worth it. Read the fine print. I cancelled and they tried to put me on a guilt trip, wouldn't take no for an answer, tried to get me to lower the insurance coverage, etc. I was disappointed as this was supposed to be one of the best but the premium was too high for what they pay out, especially for a young dog.