We got pet insurance only for the purpose of the "what if's". Our dog is a pit/lab mix and only 2 years old now. She does tend to get into mischief from time to time and our experiences with the vet landed us bills around $100. The problem was that our plan had a $100 deductable per occurance. So, the insurance never really helped us out unless something went incredibly wrong. The customer service took a little while to get a clear answer to this and delayed our reimbursement of $7 for one of our claims ($107 total). Overall, ok, but I wouldn't use them again.