We got pet insurance for our golden doodle shortly after we got him and it was the best decision we ever made. We have insurance for ourselves so why wouldn’t we get it for our fur baby? They get sick and hurt just like we do especially when you have an active doodle. We pay monthly but it pays for itself after 2 visits to the vet and then we start getting reimbursed for our visits. The claims are very easy to submit but it does take close to a month or so before you get the money reimbursed. It takes the financial worry away about taking your pet to the vet when they are sick. We are so happy with our pet insurance and will definitely get it for our future dogs!!!