I know pets get sick and have accidents just like people, my daughter's dog got into the trash and swallowed some chicken bones which caused her some stomach problems. The Vet bill was over $500 at the time. I do not know if I would get insurance for a pet, I can see that it can help save money if your pet did get sick or had an accident. I don't have a pet and do not plan to have one so the insurance purchase for me is not an issue.