When your dog gets hit by a car, the last thing you want to think about is how you're going to afford treatment. Luckily, I didn't have to spend time worrying about this when it happened to my dog, Jackson. If you think your dog won't get into an accident like that, get the insurance anyway. Just in case. Collars break, leashes come off, pets sneak out the front door.
The claims process has been very easy. My claims from the emergency treatment and subsequent vet visits have all been processed in just a little over a week. Overall, great experience. Better than my own insurance company.