When we got our chocolate lab, Charlie, last spring it had crossed our mind that we should get some pet insurance. We had forgotten until open enrollment for our health benefits opened up and I was reminded of pet insurance. My husband and I decided that it might be a good idea as labs are prone to get into anything and it's better to be safe then sorry. We never thought we would actually need it for any emergency but it would be good to have. Well we needed it! In June of this year, Charlie now 15 months, was scheduled for a routine check up with shots. My husband took him in and mentioned to the doctor that Charlie seemed to have an upset stomach. The doctor asked if he could do a quick x-ray to make sure that everything was ok and ended up finding a rock the size of a ping pong ball in his small intestines. We had a couple of options to remove the rock, neither one of them inexpensive and chose to do surgery to prevent further damage. After Charlie came home I submitted all of the bills and within 2 weeks we had a check at our house. It was fantastic and so easy. I am so glad that we have coverage for Charlie.