We bought it when we brought our first puppy home a few years ago. At about 2 years old, he was diagnosed with a congenital liver disease. We went through all sorts of surgeries and scans and had bills around $6k. After fighting with the insurance company about whether it was a pre-existing condition they eventually approved our our claim, but only paid about $1500 due to deductibles, limits and fee schedules and left us paying $4500. I think I figured at the time that I basically broke even on the premiums.
In our case, it was definitely not worth the hassle and didn't help us avoid a big bill.
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