My gang of 4 have pet insurance. It's the basic plan for illnesses (routine shots not covered) and injury. It has come in handy. $100 deductable then it pays 80/20. Costs $46.48 a month total for all 4 furry kids. I get group rate for 3 (1 is 12.23 additional 2 are $11.01) Cindy has her own policy at $12.23 since she was the last to arrive. It averages to $1.54 a day. It costs more to smoke, eat, put gas in a car in a day/month. I dont do the smoke part anymore.
It's money well spent in my opinion. I've always had it from day one owning pets.