We last used our pet insurance when our two year-old White Sheppard/English Setter mix cut her leg while on a walk in the woods. The laceration didn't look too bad, but would not stop bleeding. We had to take our dog to the emergency animal hospital near by, whom upon examining her, realized that the laceration wasn't a simple cut. Apparently our dog stepped on something that actually went up into her leg - hence she needed more than just a few stitches. Needless to say, I was very happy to have pet insurance.