This is my son's first pet & we received our free 30-day coverage from the humane society. But unfortunately before it was effective, our puppy got Parvo. After paying out of pocket for the treatment ($700+), maintaining the policy & adding the wellness rider made perfect sense due to the cost of routine services & unexpected injuries. This will ensure that we are able to provide his medical care for a healthy life and not break out bank. It's really not very different from a Flexible Spending Account for out of pocket expenses.