Taking out pet insurance was th best thing I did for Smooch, a month after I took it out Smooch got a cut above the eye that required stitching, a month after that he got kicked in the shoulder by a horse and a month after that he suffered from Fibrocartilagenous (spinal Stroke). As I am on a disability pension I wouldn't have been able to afford the large vet bill for the spinal stroke, with all the treatment etc it was well over $4000. So for me it was the best thing I did.