I have 2 dogs, our first is a... foreign object eater. In addition to that, he has needed some bizarre procedures. I opted for pet insurance when he was 4, and figured you never need insurance when you have it. For 4 blissful years I was right - until Linus decided to help redecorate our new house by tearing up our carpet. Very thankful for having pet insurance, and I will never not have it going forward!