My vet discussed getting pet insurance with me on my first visit after adopting my puppy. The vet had determined he had worms, lice and anemia, which as everyone who has animals knows, it's not cheap to treat any of those, and money is tight. I decided to get pet insurance to have some support on the medical payments so anytime my dog is hurt and I don't know if he needs to be seen or not, I have the ability to just take him in because I know the insurance will help cover the costs and I can ensure my dog is healthy and happy.
I've called customer service for questions on billing, costs and coverage and everytime they've been extremely helpful. Having pet insurance has saved me over 1,000 in the last year due to accidents, illnesses/injuries and getting him neutered. I don't think my dog would've gotten the essential care he needed without the pet insurance.