I have had this insurance for 10yrs on 3 fur babies. One of my babies had cancer & I didn't hesitate to treat him w radiation & chemo and he is now cancer-free for 3 yrs. Accidents/life happens & having this insurance gives me peace of mind that I can treat my loved ones as needed as they depend on me to take care of them. The return on my claims has been reasonable & welcomed. I will always have insurance for my puppies. You have it for your family. Why would you not include your precious fur babies as well? As Nike says: Just Do It!