You don't realize you need insurance until something bad happens unexpectedly. That is what happened to our cats last year a week before our wedding. Having an extra $350 emergency vet visit before your wedding is the last thing you want. Then several months later a friend of our cat had to go to the doctor for x-rays and medication for back issues. Jacob and I looked at each other and realized we could no longer wait to get pet insurance. We are lucky enough to have USAA and be able to get embrace pet insurance by being members. The cost per month is worth it if it is going to cover an unexpected bill like our previous bill. If we had gotten pet insurance right away it would have taken us a year and a half to hit what we spent on our emergency pet visit for our cat.
When our other cat started having seizures yesterday, I didn't have to worry about what tests the vet would want to run and how much it would cost, I knew I was covered by Embrace! They made the claim process so easy and were very understanding.
Would highly recommend it!