Unfortunately vet care, like any health care today is very expensive; therefore I consider it imperative to cover my family from the high costs I've seen a few friends suffer in tending to their dogs' needs. I would never want to have to make a difficult decision about my dog's life based on lack of finances! I feel it is well worth the peace of mind to pay for pet insurance.
I researched the available options and chose PetPlan, and I am not regretting it so far. Though I haven't (and hope to never need to) file a claim, I did have to cancel one of my dogs' plans after only two months, for a re-homing situation didn't mesh well with our first dog. PetPlan service was courteous and prompt in refunding my prepaid months on that dog's policy.
The company seems to be determined to give good attention to its clients. Our household received doggy holiday edible cards, and later on a calendar. I appreciate such kind customer care.