I got pet insurance days after I got my lab. Smart idea! Although I have been lucky and have not had any major emergencies, having the insurance did give me the support when an issue did come up. The peace of mind that pet insurance brings, for me, is worth it. Cheap enough to be possible on any budget, makes a HUGE difference when something does come up. I had an emergency vet visit that cost a few hundred dollars, getting 80% back made my decision of taking her in easy.