Hi - I have my horse insured, and until my dog was ridiculously old, I had him insured through VPI. I have had the horse insurance work out well for me ($8000:colic surgery+1month hospitalization cost me closer to $1000). The dog insurance didn't benefit me cost wise, but I would do it again for the next dog. Here's why: it's insurance. I would hate to have to euthanize my animal for something that is 100% fixable, but very expensive. I would either have a serious savings account for the next puppy or insurance (let's face it, puppies get into bad doggy situations). The insurance helps me sleep at night. I wouldn't have to face the question of debt vs patching up my dog. This is just my reasoning. I am sure everyone has their own opinions on this, but this is how I arrived at purchasing insurance for my animals. Just an aside, VPI was perfectly fine in my opinion.