We wanted a pet and continued to add to our pack. We finally settled on 3 Havanese dogs. Each one 1.5 years older than the next. Since we spent quite a bit of money on this wonderful breed, we wanted them protected should anything happen to one or all of them. When our middle dog's knees wwre diagnosed with petella luxation, and a double knee surgery was recommended to tge tune of $4,000, I was extremy thankful that we chose to insure our pets. While the insurance didn't cover 100%, it did offset the price drastically. I would highly recommend this to any pet owner whi truly lives their pet(s)!