My 10yr old wheaten terrier has had various ear problems over the past few years. Thankfully, I have been able to get her the help she needs and can afford the medications needed thanks to our Trupanion vet insurance. The insurance forms are simple and easy for my vet to fill out and I always get a response within days of mailing it in. I have had vet insurance for both of my wheatens since they were puppies. It is worth every penny knowing that they are covered in case of any illness or accident.