My wife and I don't have children so our Yorkie bailey islike our child. When we first brought Bailey home she fell off the bed and broke her paw. It was then that we got our first taste of the Vet bill portion of pet ownership. Ever since then we have had pet insurance. We have been lucky in that our dog has been healthy but has had some issue requiring vet visits. We feel the rates and reimbursement is fair and the reimbursement time has always been timely. Candidly, we have the insurance mostly for catastrophic things when Bailey gets older. For what you pay, I think it is good piece of mind and we would never be without it for bailey or any pet we may have in the future.