Two weeks before Christmas(2010) or 108lb, 1yr old, Newfoundland decided to chew up and eat part of a drinking glass. We took him to the Vet, where they took x-rays, and recommended emergency exploratory surgery to remove the glass. It was a scary experience for all of us, but one thing we did not have to worry about was..."how are we going to pay for this?"! Having Petplan insure our dog was the best decision we made. I would fully recommend anyone looking into getting a large breed dog to GET INSURANCE Immediately, it comes in handy and the most important times. Petplan has been wonderful. They have reimbursed us 100% and they have many plan options available. My tip to you is to get the insurance as soon as you bring your dog home.