This insurance has allowed me to keep my dog. She can be a very sick animal at times and has complex issues wrapped in a bouncy, joyful and playful Doberman puppy body. I have to manage 4 conditions for her and without this insurance I would have had to surrender her long ago. She just turned one. I would 100 recommend this investment. I got her insurance as a young puppy and she had no pre-existing conditions at the time. I got her insurance two weeks before the first episodes began that lead us down many different medical paths. The reassurance of knowing when you pay vet bills you have money coming back to you is a huge relief. This insurance let me keep my dog and I’m extremely grateful.