We have Petshealth for both our standards poodles. The older one (8 1/2)had more than his share of serious ear infections when a puppy. The coverage was excellent. He is pretty steady now but we just added the extra coverage to make sure we don't get stuck with the recurring condition problem. The younger guy will be 5 in January. He has had more unusual situations- skin growths, for example- again no problem with coverage, very quick turn around. I have strongly recommended this insurance many times and everyone who has gotten it has been just as satisfied. Don't leave home without it!