My yorkie is 6 years old and I got PetPlan when she was a puppy. I have had to bring her in for little things like a bladder infection or an allergy . Anyways this insurance is a piece of mind for me. They reimburse you quickly too. Any time I have to call all the people that work for PetPlan are very helpful and very considerate. Never a problem with PetPlan. Also I have used it out of state and with no problems.