I've had this insurance for my dog since she was a tiny puppy. She has been very healthy. Once she turned 10, the rates went up, and i decided to keep that more expensive policy going. She is now 14, and still healthy, but having quite a few allergy related problems, the costs of which are really adding up. The insurance is helping now considerably with the wellness and treatment costs, which make quite a difference. The insurance was a good investment.