I have had insurance on my dog for over 3 years now and it is well worth it. you never when a dog will get sick or even hurt. my dog was run over by a truck this year when it was snowing. luckily the truck went over him and not the wheels so, he lucked out and got a bruised lung and fractured rib. i brought him to the emergency room and the bill was over 650$ and I was reimbursed close to 400$ which paid for the yearly pet insurance right there. if you love your pets then you should definetely get this insurance!