My Border Collie, Gizmo, was very important to us. We bought the insurance at Pet Plan as a precaution. At 4 years old he got a gasteric illness and did not survive the night after the surgery. Because we had purchased the Gold Plan, Pet Plan re-embursed us for most of the cost of the surgery and for the amount of his original purchase, (with a reciept). I recommend you follow the claim instructions line by line. I highly recommend Pet Plan. They came through quickly and painlessly. I have already started a new policy on our new puppy.