I hemmed and hawed over not only whether to get pet insurance, but what company to go with. Ultimately, I decided the peace of mind was worth it. Then, lo and behold just a few weeks after we signed up, I had to take our pup to the vet and to the emergency vet within the matter of a week. Emegencies with your pet are bad enough. Knowing we had insurance helped make it that much less stressful. PetPlan has been a breeze to work with. Set up was easy, their website is SUPER intuitive, filing claims is a matter of just uploading documents and they take care of the rest. Every interaction I have had with their customer service has been friendly and quick. I love the chat function on the website, makes it so I don't have to sit on hold!
If you can afford it, get pet insurance for the peace of mind. And if you're going to do it, go with PetPlan. I'd recommend them to anyone. Very satisfied customer here.