Just before we got our our Aussie puppy 7 years ago a neighbor had spent allot of money treating their dog for cancer. My husband said he would have just put her down! Knowing how he felt and how felt I purchased a policy w/in a week of getting the puppy! Good thing becasue he blew his knee out and got to have a TPOL at 18mos. Cost was 3K and we paid about 1/2. Since then Mack seems to have periodic issues(torn toe nail, kennel cough etc.) in which we use the benfits and we are using the benefits as well as the well care. Even though I am concerned about the increasing premium cahrges I will retain the plan for the piece of mind knowing that we can afford the care when need be.