I have insurance IN CASE of a major accident or a catastrophic illness such as bloat or if one of my dogs needs surgery after eating something that blocks their intestine. It helps with regular yearly visits, but the allowable coverage is much less than my vet charges so it really doesn't help me at all. The monthly insurance fee is very high for the two of them as I have them covered for almost anything. I spend more each month than their yearly physical costs. Like I said, it's for IN CASE of a major problem.