I have injury and illness insurance and am glad I invested insurance. My new puppy had ear infections and I got the Trupanion 30 day free trial. They paid for her vet bill even though I hadn't given them a penny. Over 100.00. I finally had to have her allergy tested to see what was causing the recurrent ear infections. Guess what it was milk. I was keeping her away from chicken and grain and it wasn't those things at all. Now I know what it is and can keep her health. It cost $500.00 for the testing and Trupanion paid of $450.00 of that. My dog is 6 lbs. and my husband is over 250lbs, I am always afraid she might get hurt but if she does I know it won't break the bank. The extra 5.00 rider is great too so I can get her aqua or physical or behavioral therapy if she needs it for a very low cost. Pet insurance is great and Trupanion is really a great investment!!