Insurance is always an unknown. You don't know if you will need it for a young puppy or a shelter dog. Any beautiful animal can become sick. It's heartbreaking to say the least. I took the chance of obtaining insurance on my therapy/shelter dog. Knowing anything was worth the chance should any tragedy occur. I knew that the primary services would be covered so I gave it a chance. The initial representative was very helpful in order to make a decision. This decision saved my dogs life! If I had not taken the chance he would not be alive today. Thank you 24 Pet Watch...it has been a journey.