I have insurance for both my 12 year old and 7 year old dogs. I love that routine preventative wellness checks are covered along with illness and injuries. When my older guy had an attack of vestibular syndrome almost all of his day and a half stay was covered.
I also like the fact that that the customer service reps will often to call to see if you understand the EOB that is sent. Very helpful.
Any loving owner will does their damnedest to ensure the pet's wellbeing and having this sort of insurance takes away some of the financial burden.