This is a great question, one that takes careful consideration. Check with your veterinarian to see if they recommed pet health insurance and why. They usually have several they work with and can give you ideas about their responsiveness and coverages. They will also have valuable feedback from their clients on different insurance companies. Plans range from very basic to covering extensive surgical and emergency care procedures; cost varies depending on the coverage. Most allow you to use your own veterinarinan; you submit the claim and the reimbursement comes directly to the pet owner. Check to see if they have coverage for wellness visits. This is becoming very popular, where pets go in for semi-annual examinations as a way of prevention. Unforseen accidents and illnesses happen. Diagnostic testing alone is expensive followed up by treatment costs. First check the monthly cost of insurance and what you are currently spending for annual veterinary care and if any of your general care is covered. Deductables are normal, this needs to be considered as well. Check out how much a complete blood panel, x-rays, teeth cleaning, anesthesia cost - more basic diagnostic procedures, nothing extreme. Take these extra basics into consideration while budgeting - all pets at some time in their lives need these additional services. Initially you may be paying more for insurance or breaking even. It could be well worth the investment if you need it for an emergency or surgical procedure. I'm attaching a link with good information. I hope this helps.