I have never had mostly because of the restrictions on it. I've had dachshunds for many years and they are very prone to back problems. I've had several that had problems, only one that we had to operate on. We also had to operate on the same dog for cancer. She came to be called the "Million Dollar Dog". I've always just kept one credit card that I don't use. If I need it for an emergency, it's there. I'm not big on insurance because they are in business to make money, not for your good. Meaning that if you take the monthly money and put it in an account, you probably come out better. We did this years ago with a classic car. I figured it out one day and if we had insured the car for all of this time we would have paid more than the value of the car. As it is, we now have a nice healthy money market account with the money deposited to cover the car.