Okay, so lately I've been talking to a lot of people about dog insurance and telling them about my daughter's experiences and how it was the best investment that she made. She didn't always have it, which led to Gramma ponying up to pay some of the big bills, but, I'd like to hear what our membership has to say about it, about the benefits that they've been able to have because of it or, alternatively, areas where it didn't pay off or was not what it was cracked up to be. I have it, it costs me about $55 a month and I've had almost no use of it - THANK GOD - but I'm so glad it is there for an emergency. Hope for the best, plan for the worst. What about you?