I insured my dog beginning at age 9. She lived until 13 1/4 years. If I had not purchased pet insurance, we would have had to euthanize her years ago. I got the Silver 90% reimbursement with a $200 deductible. My monthly cost was $50. (Which rose to $75 as I was making many claims near the end.)
The first incident was when I saw some of her molars were broken and black. The vet hospital removed them. The second incident was cancer. She had to have many operations. One of them cost over $6000. It gave us another year of joy and a happy tail-wagging dog. When she eventually passed, it was from complications of the cancer and there was nothing medical science could do, other than relieve her of her suffering.
Overall, this is what I paid: $2,689.09 in total premiums. I made total claims of $17,095.46 and received back $15,547.19.
In sum, I paid for a 90% plan and got exactly that. They never denied a claim. Basically what I did then, was pre-pay a little less than $4,000 over four years for what amounted to over $17,000 in surgery!
The PetPlan insurance I bought was absolutely worth it. I would highly encourage any owner of a senior dog to consider this option. It could very well give you more years than you would be able to afford otherwise.