We have never considered health insurance for any of our pets until me had our Golden Retriever in rattle snake country. We obtained a policy to cover him if he was ever bitten by a snake. Little did we know, but our 3 year old golden had a liver shunt with associated health issues which surfaced this year. Thank goodness for Petplan and their associates. They have been great with personal advice and quick payments to cover Crosby's Vet costs. They have been very helpful!