I am a first time dog owner but have seen the vet bills my daughter has had to pay out of pocket for the care of her dog. I rescued Annie from a shelter and they could give me no idea of her breed mixture. I just know one thing, she loves to run and run hard! Even though she was only 1 year old when I got her last year, I feared for her breaking bones or getting hurt from her intense love for running and playing, so I took out pet insurance with ASPCA. She hasn't broken any bones yet, but I have had two other situations where she needed vet care in the last couple of months. I was certainly pleased to receive a reimbursement from the insurance company for some of those bills.