My lab/shepherd mix, Ziva, was diagnosed with severe hip dysplasia at 7 months of age. She was a rescue and I only had her about 6 weeks when she was diagnosed. It progressed so quickly that she was already at 'end stage' and surgery was the only option. I NEVER thought I would need this insurance so quickly! Even if I didn't purchase it when I adopted her, Ziva would have had the surgery, but knowing it was there and that my savings account wouldn't feel the impact of the surgery and subsequent physical therapy was a blessing and total relief! PetPlan is one of the few (if not only) pet insurance companies on the market that cover genetic diseases from day 1. No waiting periods. The claims process was easy and quick. Thank you PetPlan!!