My cat died last December. There were serious expenses in an effort to keep him alive a bit longer and create a comfortable and compassionate passing for both pet and humans. You know you love your pet so much that you'd do or pay anything, practically, to take care of him/her, particularly in the last days, and the pet insurance eases the burden tremendously. (And Carecredit.com allows you take your time in paying for accrued charges. Most vets offer that.) Get the insurance for your peace of mind, as well. I feel sorry for the pets and owners that don't have it.