A high deductible policy from embrace is the best money you'll ever spend. There's nothing like the relief that comes when the e-clinic pushes a $3,000 estimate across the table and you only have to worry about $1,000 of it. Also remember, people who never file a claim haven't 'lost' their money. Getting more money back than you paid in is never a positive when it comes to insurance - it' means you had something horrible happen like totaling your car or having your house burn to the ground. In sum, get pet insurance, get it early and keep paying it and hope you never use it.