I bought pet insurance when I bought my Beagle puppy Reese's. I already had a cat, Jango, but did not invest in insurance with him. I wish I had insurance with Jango as he was diagnosed with asthma two years after I got him. I learned from that mistake and got insurance. I recently discovered a spot on Reese's ear that was bleeding and another spot on one of her paws. It turned out to be a benign cyst. I wasn't sure if this was covered by my insurance. I submitted a claim and received an email that I would be receiving a refund. I wasn't anticipating a refund, but it was nice to see the check when it arrived. I always though pet insurance was unnecessary, but I definitely realize just how important it is.