I bought insurance for our dog because we rescued her. We were not sure what health conditions we would encounter. I am glad we have the insurance because after the yearly deductible I get a portion of the bill back. She now has some health issues and the insurance has helped in the vet and medicine bills. The monthly premium is a little high, but that is because the plan we have. If you are looking for pet insurance, look at the plans ASPCA has to offer.