I can't imagine not having pet insurance! Our Teddy bear puppy gizmo started acting funny one night and quickly became lethargic and couldn't balance himself. He started falling over and didn't look right so we rushed to the animal hospital where they took him in right away. It was a poisoning of some sort, most likely lawn fertilizer from earlier that day on his walk. He had to be kept overnight but thank god was ok the next day. The bill was so expensive but within 8 days of filing the claim I received the check in the mail. The process was simple and put me at ease. It's good to know if the unexpected happens that your pet is covered.