We decided to get pet insurance from PetPlan when our dog was about 18 months old. We did it on a lark just to be safe and we are so happy we did. Two months later our healthy puppy started limping and a month later was diagnosed with bilateral hip dysplasia. PetPlan answered all our questions in a timely matter and let us go to a specialist for our dog's surgery. The surgery was $7,000 and PetPlan reimbursed us for 80% of that within a week and a half. Other insurance companies have a cap on how much they will reimburse you for for hip dysplasia. We highly recommend PetPlan and we plan on keeping the insurance for the rest of our dog's life and for any future pets.