Hi Sandra... Yes I have actually used Hudson's health plan! They commonly cover 80% of the average cost of procedures (not necessary exactly what your vet charges you). In some cases, your vet may charge less than what they budget for a procedure, though. Your dog's pre-existing conditions probably wouldn't be covered, but any future conditions that develop would be. There are also other plans. VPI is one, and PetCare is another. Do some research... it's probably worth it!