Gosh, all my pets except Abby an Hanna are over ten. I have thought about pet insurance, but what I do is always keep a couple extra grand in my bank account in case of emergencies. Like when Bandit had his nerve damage and couldn't walk, that was quite expensive, but thanks to the extra money I keep just for that purpose, we came out OK, I guess I call it "self-insuring". Since we have so may animals it would cost a lot to get insurance for everyone.