I decided to get pet insurance that covered both accidents, surgeries, and routine check-ups because my dog is in surgery as I write this to remove kidney stones. Of course, this kind of surgery is not cheap. Rocco is a 4-year-old Pekingese mix that may in the future need dental surgery (not known yet). He was one of a few dogs that came from China 2 years ago due to overcrowded shelters and we couldn't have made a better choice to adopt him. Basically, he is a lady's dog. It doesn't matter if it's a human or dog, if its female he's interested. I believe that's why he picked us because my daughter (his favorite human) is a pretty girl.