I have had Hartville/PetsHealth insurace for about 3-4 years. I adopted Max, my minature poodle, from the animal shelter when he was 8 y.o. Max became ill the first week I adopted him and then again shortly thereafter, and I knew with a senior dog there would be additional medical problems but but since I fell in love with Max the moment I held him, I knew I would need and want to ensure he got the best medical care possible and I would need health insurance for him. I researched the other companies and felt Hartville would be our best option. Max has become sick several times and having health insurance has been a great help. Even with the quarterly premium, this insurance basically pays for itself when ofn the reimbursed for vet treatments. Max recently had surgery for the removal of a lump on his groin at the tune of $700. The insurance coverage was great and helped out so much with covering the cost surgery. I didn't have to worry about Max's surgery and how I was going to pay his vet bill. I would recommend health insurance for any pet parent regardless of the age of your dog.