Unbelievable service, it is such a relief know that in a time of need your pet is covered. At 14 months old who would ever think your puppy would have to have a mass removed. The staff was so helpful and really care about your pet, like they were their pet. I submitted my claim and with less than a week my claim was approved and credited my bank account. I would recommend to any pet owner this is a must have insurance. No matter how old your pet is. I purchased our insurance when we rescued are puppy and added are 7year old boxer. No matter how old your pet is they will provide coverage.