I bought the insurance to cover a serious illness or accidents. I can easily afford all the usually check ups & medicines. So i bought the major medical insurance. We all know how fast those Vet or hospital bills can add up if the slightest thing goes wrong. In my mind the cost of the premium & deductible covers 1 serious doctor visit. So I was very pleased when the insurance covered a bad reaction my dog had to some medicines & put her in the hospital. I received more than half of the expenses. I highly recommend this kind of insurance.