I thought about pet insurance for a long time, I thought that I could try to save $$ in a savings account for if anything happened to my dog, after a few months of savings I only saved $160. My neighbor had mentioned pet insurance one day and I began to think about pet insurance a bit more, I looked at a few companies and found that Trupanion had many excellent reviews. I enrolled with them and good thing I did - 1 week later my dog tore her cruciate ligament!($2500 - much more than the $160 I had in my savings!)Trupanion was quick to preapprove her diagnostics and her surgery and sent out her check the next day after her surgery. I am very happy with Trupanion and will never go without!