We have had Bella since she was 8 weeks old. We should have had insurance on her since she was 8 weeks old too! At about 6 months, she got so sick we thought she wasn't going to make it... almost $3,000 later and we got her some insurance. Bella is enrolled in an accident and illness plan. In the 3-1/2 years we've had pet insurance we've made mulitple claims (IE: eating string and having severe digestive issues, being bitten by another dog, once she even slipped out of her collar and launched herself out of the back of a truck!). It is easy to file claims and track them online. The time frame for receiving reimbursement checks is quite reasonable.
Bella is a member of our family and I want to know she is as protected as everyone else. Knowing I have coverage on her gives me peace of mind. I would do anything for my dog and having insurance on her just makes it a whole lot easier telling her vet to do whatever needs to be done to make sure she's OK a lot easier!