We decided to get pet insurance after two non routine vet visits all before our lab turned 9 months. We had also lost a dog to cancer after 10 months of treatment. Most of it would have been covered by VPI. We went a couple of years with out any incidents. We even talked about dropping our insurance. We wondered if it was worth it. It turns out it is. we had our dog into the emergancy vet twice in 4 months. Both times for eating things he shouldn't have. Once he had to have him stomach pumped the other induce vomiting. Both events covered. I will never concider dropping our insurance again.