when i get my next dog, i'll very likely get insurance. alex has epilepsy, just to walk into the er vet when he has had a cluster seizures was $100, often the bill, due at time of pick up was $4-500, "we'll take a check ". his last er visit at ohio state university for pneumonia in nov 2003 was $1500. not counting his monthly meds and food, i bet i spend at least $700-1000 for out of pocket costs such as blood work, vet visits to adjust the meds and well dog checks each year. i'd look at different plans to make the best choice, since i see alex as almost a furry child