I opted to be self-insured.

I opened a special account at the credit union for my "insurance payments". I used the approximate amount that I would pay an insurance company and deposited that amount every month. I use it only for surgeries and specialists, things above and beyond the usual vet bills. With 4 older dogs, the insurance would be much too expensive, especially with one being a diabetic. This way I have the money when I need it, no one decides if the need is "covered", and if I never need it, I haven't lost it all.

Mary