We bought this plan when are little girl was just 12 weeks old. She is now approaching six. AKC PHP has been there for every little and large medical event in her life. We are reimbursed promptly (less than 2weeks from claim), we have never been denied any claim. It is so comforting to know when our dog is sick we afford her the very best medical care thanks to AKC PHP. We recommend this insurance to all our friends and family.