I should have gotten this insurance sooner. A couple of years ago I had a choc lab and a rottie. I decided to insure them. A week latter I found that the Rottie had cancer. I cancelled her policy, it was too soon after the application and I wanted no hassles. Her treatment ran me thousands. I kept my choc labs insurance and it has helped tremendously. I insured my new puppy and it gives me peace of mind. Paying the insurance is like saving for a rainy day.