I got insurance on a whim thinking my mixed breed rescue pup would be healthy and not a victim of breed specific problems. It didn't work out that way. When he started drinking lots of water I feared diabetes and that started many vet visits along with some misdiagnoses until he finally had an MRI to diagnose a large pituitary tumor. He recently underwent radiation for 15 days along with medications to control the water intake. Thia has been a long and expensive process and one I may not have pursued if I hadn't had pet insurance. My claims have been paid promptly and my rates increased solely based on the age of my dog and not his claims. A phone app makes filing claims simple and the customer service is great. A great company.