We got insurance for our dogs b/c they had a habit of escaping and I knew someday there would be an issue. About 4 months after getting insurance our dog started limping one day. Turns out he tore his ACL. Luckily we had the ortho report approved so he was covered. They were great and easy. Claims are fast and done usually within a week. The biggest headache is remembering to take the claim form with me to the vet. :) Every Lab owner should get this insurance as soon as they get the puppy!