I had my dog for 7 years before I convinced myself to get pet insurance. For the first couple of years we really did not get much of a benefit. But the unexpected happens. Our Doberman Cheyenne had joint trouble with her hind leg and needed surgery. Without the insurance I would have had to make her "limp" through it before I could afford to pay for the surgery on my own. With the insurance I had no hesitation getting the surgery done. PurinaCare quickly paid on the claim which I had our vet submit. No questioning, or nit picking on the bill. I had a check in my mailbox within 5 days. Cheyenne is recovering nicely and the insurance continues to cover the follow-up visits.