We decided to get pet insurance after having two ACL replacements on our lab/newfoundland. Which cost us out of pocket over 10k. After he passed we got a puppy golden girl, and decided that it would be a good idea to get coverage while she was young and before anything went wrong. So far she is as healthy as can be. But the insurance has already paid for itself just in well visits and a small injury. Highly recomend having pet insurance.