I have a 4 year old labrador. This is the BEST thing that I ever did when I signed up for this insurance. I signed up when she was just 8 weeks old have used it numerous times. The most valauble time that I had to use it was last year when she had to have bilaeral ACL surgery that bill was very costly if not for this insurance I would have had a HUGE bill. There system is very easy to use they pay quickly and are very frienly and helpful when you need to call. I would highly recommend this company to anyone who is on the fence about signing up for it. I would never own another dog without this insurance again it has paid for itself over and over again. Great dog insurance can't say enough about it...Every dog deserves the best and I am truly pleased with this insurance.