I have Pet Plan for mine, Maxx has been insured since he was 10 weeks old. I think it is a good idea as Labs are prone to many health issues. Maxx came from a breeder that tests for everything that can be tested for and there are not any health issues like HD, ED, PRA, EIC, etc in his lines but that does not mean he could not suffer from HD, ED, a rupture of a CCL, allergies and many other things as he ages. I just like the peace of mind, to know that I would not have to even think about an expensive surgery or treatment, should the day come, it is worth it to me. Some people have a savings account dedicated to pet health care, I worry a surgery or cancer treatment could wipe that out fairly quickly. Whatever works for you I do think it is best to do one or the other.