My pups don't have health insurance exactly, but they are on a wellness plan from my vet. It covers all vaccinations, office visits, spay/neuter, blood tests, deworming, etc. We also get 10% off all meds. The vet is right in Petsmart, so it is very convenient for me. With Addie's recovery from being on the streets and Jake's ear probs, I have saved over a thousand dollars just on office visits in the past year and a half (once a week for months). However, if you are blessed with a healthy dog, it may not be worth your money at $19.95 per month. For me that's one office visit. We are lucky if a month or two goes by without a trip to the vet.