I have had Labradors for the past 30-40 years. My first Lab developed hip dysplasia. I did not have or know about pet insurance. We were able to get her fixed but it cost about $3500. And this was in the 1970's! After that I got pet insurance. In general I got back in benefits about the same as I had paid in premiums. Still this means I didn't have to face a big bill all at once but was spread out over many years. When I got my current Lab, Jazzy, I researched different companies. I discovered that while a few companies will cover genetic problems like Dysplasia, once the policy is renewed that becomes a "pre-existing condition" and they will no longer cover it. What I liked about Pet Plan USA's policy is that a pet is covered for life. I have urged my friends to get this insurance as soon as they get a new pet and before problems are found. The gold policy I purchased has a $200 per illness per year deductible but then pays 100% up to $20,000 per year! For six years I paid without using the insurance. It started at about $360 the first year and went up each year. This past year the policy cost over $1300 for my 9 year old Lab. Seems like a lot, right? But then she developed arthritis in one hip. While dealing with that she became very ill and was diagnosed with diabetes. Three or four days in the pet hospital and now twice daily insulin shots has fixed her up, but the bill was nearly $6000. After deductibles and co-pay I very quickly received checks from Pet Plan for about $5700! This one claim paid back everything I had paid in. Since it is ongoing the insurance really pays. There is so much inbreeding with dogs now that the odds of problems later in a pets life is very likely. I cannot recommend them enough!