After our pet suffered a major knee injury, and we spent between $5000 and $7000 dollars addressing that injury, we sought pet insurance. It has been a good experience. The policy is fair, and the reinbursements come quickly.
Also, after our pet died, and we bought another, ASPCA credited the remaining balance of the first pet's premium to our new puppy's premium. Not many businesses do that. I greatly appreciated that courtesy.