After my two aging dogs passed away, we decided to get a puppy. We did not have insurance on the previous two dogs because they were old and we knew that if they contracted anything we weren't going to go to any extreme measures, but just let them pass naturally. But when we got the new puppy I knew that because he was so young, we would want to do whatever it took to take care of his health. We heard rumors of other dogs having cancer or ACL issues and how expensive it can be. So I took out insurance on the new puppy, knowing I would not likely ever use it. When Charlie was 1.5 years old, he started looking really sick. We took him to the vet but they didn't know what it was and wanted to wait it out. We did for a few days but he was obviously deteriorating before our eyes and he could not open his jaw. He was in obvious pain. So we went to a 24 hour vet hospital who had a great reputation for skilled vets. They didn't know what it was at first either and kept him overnight doing test after test. The entire thing cost $2,000!!! Finally they diagnosed Masticatory Muscle Myositis (MMM), an autoimmune disease that was basically attacking the muscles in his face. He was put on medication and has made a full recovery. However, we now have to wean him off the meds and see if he stays in remission. All this requires specialist vet visits (internal medicine doc) every few weeks at around $300 a pop! All this was covered by the insurance. Not only that, but they called me to see if my dog was ok. Their claim processing online is a snap too - they have a better web site than my health insurance - UHC. This is a GREAT way to spend money if you love your pet - get this insurance! If you don't need it ever, consider yourself lucky, but if you do need it, you will REALLY need it like I do.