Since our golden was getting up there in age (8) - we decided to be proactive and get this ASPCA insurance that was recommended by our vet. It worked out well for us, as he did have a few issues this last year and ASPCA was very good about accepting the claims and paying on them. They did not pay the full amount - but a good portion. Hopefully none is needed for this next year - but we are covered and ready just in case.
Age of Pet