I signed up for ASPCA Pet Insurance in October 2011, "just in case." I have a healthy 2 year old goldendoodle named Coconut. Well, over Christmas Coconut got terribly sick - vomiting, diahhrea, the works. It was really scary. Because it was the holiday and her condition was so bad, they wanted to keep her overnight at the vet. Of course I wanted to do what was best for Coco, but goodness I was scared about the bill! It was such an unexpected expense to have at Christmas, which is already a time of year for spending lots of $$
The bill was about $700 and I got over $400 back from ASPCA (it would have been more but I had to cover the deductible). I was SO grateful for the insurance, it really helped. And thank goodness, Coco is back to her bouncy self!