I volunteer for a rescue organization and you never know the history of a rescued animal. Cotton, a white, female Mini Schnauzer, about 5, was a puppy mill dog. I adopted her and decided to get pet insurance. No problems for the first 2+ years. (Insurance is insurance, you pay and are never sure if you will need it.) She began having accidents and was treated for a bladder infection. Months later she again was having difficulties. She was again treated for a bladder infection, then a stronger antibiotic was tried, but did not solve the problem. Eventually, my vet thought that, perhaps, she had Diabetes Insipidus, a very uncommon disease. The only way to diagnose it was to use an expensive eye drop that came in a nasal spray, which is commonly used with young children. That wasn't an easy process, but in time it did show she had the disease. The medication, now in tablets thank goodness, must be given 3 times a day. Pets Best has been wonderful supporting Cotton's health condition. She's now doing well on meds. I'm now retired and am very glad that I invested in pet insurance.