When buying this insurance for my dog, I was told that it was a stupid thing to do. I was told that my dog is only 3 yrs old, and that I was just throwing money away. Come to find out, it is hands down the best money I have ever spent on my dog! The beginning of this year my Foxie Ladie was throwing up. I tried everything to settle her tummy. I gave her pepto, stopped with the scraps, and nothing would help! It was an every day thing, yellow bile, but she was eating just fine. (She eats a lot more now because she is well). I took her in, got the blood test $200 and something, special dog food, dog pills, and directions of what to do, around $45 (gastritis/vomiting). She kept throwing up yellow bile, so I went in for an ultra sound. That was another $300 and something bill. Come to find out it was because she had fluid in her female parts from not being spayed. Note to everyone who does not "fix" their animal, they should, because it adds up! Miss Foxie went in to get the spay, for another $500. This story all happened with in 2-3 months total! It would have cost me over $1000, but because i had my pet plan, I only paid for the food, and $200! Now tell me that buying pet insurance for my 3 yr old dog is stupid! Its like having insurance for your child, and it is worth every penny!