We use PetCare Insurance & considering how many times I've been to the Vet this year with one dog alone :eek: I think it's SO worth it :)
I also think that if (heavens forbid) your dog ever got into a serious injury that required surgery or long term care that would be insanely expensive. And most people would opt not to go through with it at the risk of losing their beloved dog. Like most insurance policies you're paying a premium for the potential possibilities that you'll need it one day…life insurance (I've been paying forever & every year I neve cash in LOL :D), medical insurance, homeowners insurance...etc.