Thought to myself - does a dog really need insurance? Seems like a ridiculous waste of money. Well, after my pup started eating every sharp and non-digestible item in my house I caved and decided that $10/mo is better than $3000 to remove a mechanical pen from her colon. Anyway, I never used it to remove a pen but when another dog attacked her I was grateful for that insurance. Reimbursement was quick. They covered almost everything and saved me from forking out more than $600 of my savings in vet bills. Won't question this monthly expense anymore.