I got insurance for my lab, Precious, from the time she was still young just to have a peace of mind in case of accident. For the first few years price was very reasonable but as they reach senior year ( at about 10 years old ) the price double or triple depending on the plan. But I am thankful to maintain Precious's insurance with ASPCA and never had problem and got reimbursed for most of the expenses she recently had. Recently I even got a follow up call from ASPCA for Precious's last surgery to see how she is doing, a great surprise and pleasant conversation! I highly recommend considering insurance for your pet, definitely worth it.