I agree with the person that wrote about reading before you buy! We are all responsible for making sure that we are informed before purchasing. This has been a wonderful thing for us with two golden retrievers one is 9 and one is only a year old. The older one has developed a few issues since we purchased the insurance and it has been a life saver for financial worries about our pets! They are like family members and without coverage sometimes we felt like we had to make other sacrifices to get them vet care. Not anymore! Very Happy for the peace of mind and knowing that our pets are going to get the care that they need no matter what happens to them.