Who would have thought that pet insurance would be needed for a completely healthy pure bred golden retriever puppy? He is now 1 1/2 years old and we have gone through 2 surgeries to remove ingested rocks and are currently facing a cruciate ligament repair. My wife recently said: "Getting that insurance was the best decision you have ever made." (She forgot about marrying her.) PetPlan has been a pleasure to deal with and I could not recommend it more highly.