This company does not cover ear infections for a cocker spaniel if the cocker spaniel has had an ear infection in the past year. So unless you get the inusrance with the puppy, you aren't covered. I bought my dog at 6 months. It is totally unreasonable, as they know that all cocker spaniels are prone to ear infections and will have them more than once a year. I bought the $65 covereage so I would not have to think about anything and ended up paying for every vet visit. If this is how they operate, then it is NOT a good company.