I first purchased pet insurance after I spent $700+ at the emergency vet when my dog was a puppy and ate some flowers that made him sick. Since then, in addition to normal care, it's been there through kidney stones, kidney infection and bladder infection at the same time and - most recently - meds, exams and surgery related to his eating a rock. I love that the deductible is $100/yr instead of a per-visit deductible. Submission for reimbursement is easy claim processing is fairly quick. Having the insurance provides such peace of mind that I'll never be without it again.