Last year we lost our beloved eight yr. old shih tzu, Sara. Her vet bills were $ 9,000. out of pocket. Sofie (another shih tzu) came into our lives last Oct. We had her checked out by two vets to make sure she was in perfect health before we purchased her. We purchased insurance although we were sure we wouldn't need it. Everything was great until we took Sofie to be fixed. The preliminary blood work indicated a liver problem which led to a liver scan and a liver biopsy. Expensive! Thank goodness we had this wonderful insurance that helped us through this time. Sofie will be fine with the appropriate food and supplements.