I've had to make the decision of continuing my pet's medical treatment to save his life verses the cost. He fortunately recovered. After that, I decided I never wanted to be in that situation again. Now all my Pugs are covered with Healthy Paws. Including my recent girl who was a rescue, Georgie. I've already been able to give Georgie life altering care because of insurance. And in turn Georgie is doing good for kids as a Pet Therapy Dog. It's just me and my Pugs. They are family so why not insure them?