After my first dog got sick and spending over 9k to give him the best chances of survival I decided to get insurance on my second dog. Best decision I have made. I spend roughly 1600-1800 a year on his vet care since he has developed arthritis. Trupanion true to their policy has reimbursed me a good portion back each time (which actually comes to roughly what I spend to have him insured each year.) So in the end its like I have free insurance for my dog since I would spend the money anyways .. and now I have the peace of mind knowing that I won't get stuck financially if he needs more medical attention. If I ever get another pet, puppy or older, I will always get Trupanion insurance and have been recommending them to my friends. Its worth the money for the peace of mind.