In owning over 6 Shih Tzu's, these dogs are very prone to getting eye diseases and eye disorders, and having spent out thousands of dollars before getting insurance for my 8 year shih tzu, I know the costs. My 8 year hasn't ever been sick before and always healthy, and I decided to get insurance on him, and just a few months later, he developed eye issues, which I am so glad that I have pet insurance now. Trupanion has been a blessing and is fast with claims and I opted for the no deductiable, which most ins. companies do not even offer, but Trupanion does. I would highly recommend this insurance to anyone looking for insurance for their pets.