We adopted our shelter puppy, Harley, not knowing his past or his future. Because we travel, I thought it best to insure him, just for the security that friends or family dogsitting for us would feel more comfortable if he became ill while we were out of town. Little did I know that we would later discover he had hip displasia severe enough to require surgery at just 8 months old. Pet Plan was very easy to work with, responsive and lived up to their promises reimbursing us for over $1000 in vet expenses already. I insured both of my dogs; I'm glad I did; but I hope I never need to use it again!