I insured my baby, a 13 1/2 year old Pomeranian, just in time. He started having issues within a few months of signing up, including heart and stomach problems. Service is unbelievably fast and as advertised. No hassles, 90% coverage, which is fantastic, responses the same day when I've scanned and emailed documents, and checks arriving a few days after that. Once a condition is established, form to fill out is incredibly brief--a couple of seconds to complete as they handle the majority of the form for a repeat condition. It's great!