The reason I asked is that my 6 yr old Aust Shep, just tore her crucial ligiment (spelling??) and I am being told that the cost for the operation is about $3K. Now, I looked up to see if I could enroll her now but in the fine print it states that you must have the policy for at least 12 mo before some treatments are covered (her knee being one of those). So, I'm out big $$$ and cannot get the insurance for this at least. I am strongly thinking about getting it though.