I decided to get pet insurance a couple of years ago even though I had never had a problem with my 8 year old Lhasa. Last year, however, she had one bizarre illness which landed her in intensive care for a about a week. And then a few months later, Roux was hit by a car. Don't worry, Roux is okay, and so am I, because I had insurance to help cover the cost. The reimbursed expenses were paid with in three weeks. I am so happy that I made that decision and the ASPCA offers a great plan.