My dog Bailey is a rescue dog and I adopted him after losing my Patches to Cushings disease. Her last year of life cost me 4,000 so I made the decision that if I got another pet, I would definitely take out pet insurance. Bailey has had three issues since his adoption October 2006 and ASPCA Pet Insurance has been very responsive. While the third issue is under further review, I anticipate there will not be a problem. I have shared with friends and associates that it is something to throughly consider when adopting pets.