When we brought Huck home as a puppy we decided to give pet insurance a try. Best decision ever. He has battled allergies since puppyhood resulting in allergy shots and lots of expensive medications. Most recently he developed allergic lung disease -- basically pneumonia resulting from an allergic response to something in inhaled. Several vet visits, two days of hospitalization on oxygen, and many prescriptions later I am happy to report that he is on the mend. Thus far the bills have topped $5,000, and I can't say enough about the speedy and responsive service we have received. It's a relief not to have to think about the costs when making decisions about veterinary care for Huck.