When we got a second adult husky a few years ago, we decided to check into pet insurance. Pets Best had reasonable plan for older dogs. We now have just the one husky. We have been able to access specialists for the care of aging pups and the insurance has paid for itself with both dogs. While rates have risen over time, I've reduced coverage and kept premiums reasonable. We just had a thorough exam at a specialist for blood in stools. The total bill was $1700 and $950 was covered after our deductible and an uncovered item. She's fine and it's good to be able to access quality care and not have cost drive all decisions.