Our veterinarian recommended that we consider insurance for our 8-week-old puppy and we are really glad that we followed her advice. The first year we had hardly any claims but year two has been difficult. Our puupy has had to be hospitalized and now has a sports injury that will take some time to address. We have had a consultationwith a surgeon and had to purchase expensive medication. We do have an expensive deductible and 80% coverage but still find the coverage very worthwhile.