I have two bullys with insurances. One 2y8m and the other just 8m. The older one has maxed out his insurance one year, but the younger one hasn't. Now they are both in good health, but like with yourself...you never know...And from what I've read, you pay a LOT more for your vets than we do and I think ours are ripping us off...Can't recommend any, since we're in Finland....