I dont and dont think i ever will.I have heard of a vet credit card that is to be used only at your vets i have signed up for it and am waiting for it.If my guys need to go to the vet they go they are never deprieved of medical care,Mind you my mother has insurance on her cat and loves it, I dont care what the price is if my animals need any kind of vet care they got it,I dont think pet insurance is for me,I dont care the price my animals are all worth it!