I started coveage when Abby was about 6 months old and by the time she was 8 or 9 months old we noticed she was not walking right and she was x-rayed and the outcome was she needed a total hip replacement and will need the other one done soon. the surgery was done on December 29, 2010 and her first birthday was Jauary 9, 2011. I faxed the invoice on a Monday and had my check on Friday. I can not thank this company enough about how helpful they have been to my family and to Abby. I also would like to thank Staci Walsh for all her help. I highly recommend this company to everyone.