We had ASPCA pet insurance on our last dog. We found out how important it was to have insurance. So when we got our next dog we knew right away to sign up. Again it has been a blessing to have as our new guy gets worked up for allergies. And then you have those instance where young dogs like to put things in their mouth that they shouldn't....so taking him to get checked out was an easy decision knowing we had pet insurance to help cover the costs.