I have a 3 year old shepard. I got her insurance right away and it has paid off! She is a trouble maker and usually I get back most of what I pay for insurance, with the claims I put in. For example, I pay $40 a month and last year, I got back over $400.00 reinbursed after claims. My sister insisted I do this, as I did not do it with my dalmation. It has been a Godsend and I tell everyone to get insurance with VPI!