We decided to get the ASPCA pet insurance right after we got our 6 week old golden retriever puppy last year. The vet gave us the information. My husband and I know that unexpected expenses can happen (we have two children). It is just nice to know that we will have some help financially if we need it. We have had two close calls with him eating things he should not. In both cases, we had to take him to the vet and do the workup because he had apparent digestive blockages. Goldens are known for chewing everything. The insurance has also helped with the well checks, but we got it primarily for the unexpected. We are very happy that we chose the ASPCA insurance.