I had (as I just cancelled the Policy) insured my three year old Boston Terrier from the time she was eight weeks. Through time the premiums were increased substantially however reimbursement was minimal IF any in fact as there was always some exclusion. Plans are confusing and even agents are not clear on them. When I initially registered my dog I was told that I would also have liability which I recently found out that they do not provide. Each time I submitted a claim, there was always a problem and you would have to chase them. I sincerely hope that anyone thinking of insuring their pet with them reads all the reviews --for myself it is better to put away in "Doggy Fund" the fluctuating amount(s) they charged each month.