I took out insurance on our Golden Doodle at 11 mos. I had never had Pet Insurance before but decided with a designer breed maybe I should. I researched insurance companies and PetPlan seemed to be rated very well. So thankful I took the time to do this as Mercedes broker her leg at 16 mos. The first surgery which was almost $4,000.00 was covered all but my deductible of $200.00. A second surgery was needed 3 weeks later and they also covered this surgery. I am sure there is more to come with xrays yet and maybe take the plate out at a later date. I really don't know what I would have done without PetPlan and $7,000.00 in expense and maybe more to come.