We have taken a policy out for Ladybug. After that last scare when my husband had been out of work for six months and I was downsized from my job, I cannot/will not take a chance. It took us quite a while to get the vet :angel: who did her surgery paid off, even with help from imom and all of you at Beagle World. The policy does get us a discount on her shots and heartworm preventative for $30 a month. Although the discounts aren't the main point they do help, however, peace of mind knowing my baby can be taken care of immediately is priceless!