Hi Salim.    My little arab would have passed any vet check when I bought him at 4.  At 14, he was taken to the hospital with no insurance. One surgery, one death and $10,000 later, I cannot more strongly recommend that you get the insurance.  My husband and I are by no means well off, we're still paying the bills 16 months later.  Probably a stupid decision on my part to try to save the little guy as it looked bad from the start, but I was able to get a little sleep knowing my money (or lack thereof) did not kill my sweetheart.  Now I carry insurance on my new mare.  I cannot recommend the company because I haven't had a claim (knock on wood), but really, really, the insurance is SO worth it!!

Juliann