Definitely read into it first. Most, if not all, are reimbursement programs. Meaning you have to front the bill initially, and then you submit paperwork, and then IF the claim is approved, you are reimbursed. Sometimes it is only a percentage of the bill, sometimes it may be for the whole bill.

There are many different types out there now... some are for annual wellness for vaccines etc, those are usually the cheaper plans you find. Then you have the emergency plans... and some will be a combination of the two.

If you happen to get insurance for a puppy with no pre-existing conditions who happens to get really sick and/or have a costly congenital disease or problem, it can be worth it over the pet's lifetime. Otherwise you are taking a big chance for a big "what if". You're better off taking that $10/month and putting it away into a savings account to use for vet bills when they come up.

Just my two cents from what I've seen in the industry!! Hardly any of our clients have pet insurance really... if anything they use Care Credit.