Should something catastrophic happen to our dear boy, Tyler, I don't want my choices to come down to money. We have become extremely attached to our terrier mix. Some years we have benefitted from having insurance, some years we haven't used it at all. Until the money starts growing on the trees in my backyard, I will keep paying my premiums! Tyler is 11 now, so I feel we could be coming into his stage of life where the big issues could arise. Pet insurance gives me peace of mind, knowing we'll be able to take good care of him until the end. My tip is to get insurance on your pet when they are young and healthy.