I have pet insurance on the dog, and honestly its not so much for the health of the animal, but for me and my wife. The insurance lets us make quality of life decisions without money being a major factor. If/when the dog gets sick I know it will be quite traumatic for my wife (this is her first family dog ever), and not having to make those decisions with money being a significant influencer will make things a lot easier on her.
There are many, many days when I think I'd like to cancel the $45 a month, but then I think of the trauma that would be involved in not having enough money to afford a sudden vet bill, and I decide to decide another time about continuing it.
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-Scott
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