I insure four animals. One got sick. It cost about $3,000 to save her life. Eventually I was reimbursed, but my coverage was limited to $2,000. Yes, I was underinsured, but the cost of increasing coverage to, say, $5,000 for 4 animals would have been prohibitive. So it's a glass half full. Some say the insurance premiums are just a way to save up for the inevitable need. If I did not have some insurance, I may not have spent the money to save her life. Since I did have the insurance, I had to use it.