I was very happy I made the decision to get pet insurance. When we first got my dog he was thriving & was no evidence of anything wrong with him. Upon bloodwork before being neutered our vet found kidney issues. I'm grateful for my decision to go with Trupanion and how efficient they are at paying out what's owed. Future tests will be pricey so I'm so glad we got pet insurance, recommend it to everyone with a pet!