We made the decision to get pet insurance for both our very active dogs. The thinking was that if one of them hurt their leg, repair work might be expensive, and insurance would be an inexpensive way to take care of that.
As it turned out, the company is very quick to pay out claims. The process is pretty straightforward.
I have already recommended the company to a friend of mine. I think they offer a fair price for unforeseen, expensive treatment.