I had a healthy pit bull for over 13 years. Then he decided to eat a rubber duck--it did not come out easy or cheaply!! Although surgery was successful in removing the duck, he did not really recover and Buster died 2 years later.When we decided to get a new puppy, the first thing I determined was to get pet insurance. We purchased the insurance two weeks after getting Cormac. While I hope we don't need to use it, I am glad it is there should we need it.