We have two Black Labrador Retrievers.....Ruger is 10 months old and Frank is 12 weeks old. We purchased our plans right when we brought our pups home. (separately at 6 weeks old) Ruger has already used our policy twice. Once for a soft tissue injury of his leg and the most recent happened last week....he tore open his chest after being caught on a log while running over it. We chose the plan that we pay only a $100 deductible and our reimbursement is 90%. In both cases our check was received in less then a week. I researched ALL of the insurance companies and found this one the best rated. I can see why. I am a licensed Veterinary Technician.....I would NOT be without insurance for my pets. You hope to God that you will never need it....but you're so thankful when you have it!