I have 3 rescue dogs. You never know when something will come up where veterinary care can become very expensive. With 3 dogs, I decided I couldn't afford not to have them insured. So far, I've used Trupanion for one of the dogs. She has an eye condition that requires an eye salve twice a day. A little tube of this salve is rather expensive, but am very pleased how much Trupanion reimburses me. It gives me peace of mind just knowing I have this insurance when I need it.