On a whim (after seeing how much family members have spent on vet bills) I decided to get pet insurance. The rate isn't too bad, not even $50 a month. 8 months after getting it my dog had a partial bowel obstruction and was in the animal ER for nearly 3 days. Just over $2,000 later I got my dog back (luckily they were able to flush it and he didn't need surgery). It took the animal hospital longer to get the vet to sign the claim form (since I guess that hospital wasn't his normal place to work so they had to track him down) than it took trupanion to process and mail me a check. The pet insurance literally just paid itself off for the next 40 months, well worth it IMO.