Medicine has come a long way and most advances and technologies in human medicine are also available for the furry members of your family.  With quality of life in mind, how far you want to go is always up to you.  If you feel that you will always want the best options for your pet or that you would face a heartbreaking decision if confronted with a large veterinary bill, then pet insurance may be the best option.  Large breed dogs will require more medication and some breeds are predisposed to medical conditions.  In the crisis of a sudden accident or severe illness it can be indispensable to you and your best friend.