I had previously not had insurance and spent considerable money on my dog who had many many issues. When I started again I decided to use insurance, initially I was frustrated by the abrupt change in premiums due to change in coverage and 'increase veterinarian costs'. I considered cancelling...thank goodness I didn't. Unfortunately I used the insurance. I could focus on my pet and not worry about the bills. My costs were astronomical, the claims people were great and I did feel that they truly were saddened that despite aggressive treatment my dog did not survive.