I and my wife bought our first pet a few years ago. We never had one before and everytime she cughted or did not want to eat, we took her to the Vet. Health costs for pets, in some cases, is higher than for Humans.
We knew that we had to take care of the animal we took on the responsibility for and love, so we decided to get pet insurance.
We bought ASPCE Health Insurance and are very happy with it. They reimburse quickly and are fare. If, God forbid, our pet gets very ill, they will not drop her but pay up to the amount that is covered by the policy.
Thank God that she is still a young and healthy dog, but when the day comes, just like Humans, she gets older and needs more medical help, we know that we will be able to afford it.