We had a dog previously we did not have insured. I will never live that nightmare again. I had to take a second job at the end of her life and lose precious time that could have been spent with my heart dog. I had to do that to pay The thousands of dollars in vet bills that came at the end of her life. Not to mention the several thousand we spent in her early years on leg surgeries.
Our dogs both have insurance. One is a puppy still but our older dog has used it quite a bit. It's easy to submit claims online and cheques are sent out promptly. If there's ever something missed, a quick phone call has it resolved in minutes. I will never ever have an uninsured dog again and Trupanion is the best there is!!