I have had golden retrievers for many years going back to 1970 and never had pet insurance. Then when my dogs were old it seemed impracticle, but I got a new golden puppy in fall of 2009 and enrolled him when he was six months old. Though I never expected him to have any serious illness but purchased the insurance in case of some accident/injury. Well, I was really stunned to have this young dog at under a year old diagnosed with SRMA. I incurred a lot of veterinary expenses as he had a number of episodes that needed emergency treatment. Petplan came through and paid what they had promised--what a relief. My young golden has fewer episodes and is doing better.