Our weim is well familiar with vet visits. From a broken rear leg at 15 months old, urinary track infections which lead to removing a membrane in her tootoo, and 8 fatty cyst removals and lastly, osteocarcinoma and removal of the leg that was fixed! 5 chemo treatments and cancer free to this day. Cancer endorsement doubled the reimbursement to us for almost 100% of charges. I would not ever go w/o insurance on my pets!