I bought an adorable miniature poodle at three months and friends encouraged me to get pet insurance. I was sceptical at first. Some years ago I had cats who were very healthy up till there last year (they were 17 when they died). I had diligently paid my premiums into a competitor's plan and when I needed to claim, I received very little assistance.Anyway I decide to join Pet Plus Us. When puppy was 4 months old it was obvious he was having difficulty. He was diagnosed with bilateral lateral displacement of the patella, a congenital problem. he required surgery straight away followed by rehab. At 10 months he had to undergo a more definitive surgery and is now signed up for more rehab. I have been so impressed with Pet Plus Us. At this point I have contributed to the plan for 9 months and they have reimbursed me for the significant costs that my puppy has incurred. The staff are polite and helpful and payment is very prompt. I would highly recommend this company.