As with all pet insurance plans from what I can tell, it is best to get the plan before the animal has any pre-existing conditions. But not all plans will pay what they advertise, so buyer beware. PetPlan delivers! We are 8 1/2 yr policy holders for our, now 10 year old, Staffie/Boxer who unfortunately has needed many, many orthopedic surgeries, rehab, medications, herbs, supplements, adaptive equipment and braces for recovery and maintenance of her chronic conditions. We have piece of mind knowing that her needs will be met with less financial stress because of PetPlan. Thanks for being there for us over and over again.