Personally, i consider pet insurance is not worth my attention.
First of all, what exactly does it cover? I can tell you for sure it will not cover any predisposed/genetic conditions, such as HD, Blindness, and other stuff, depending on the breed.
Vaccinations: of course it will cover vaccionations and vet visits. I only vaccinate my dogs once in 3 years for rabbies, any other vaccines are worthless and cause more bad then good.
Will it cover flea/tick control treatments?
Will it cover blood work, allergy tests, etc??
Just few things to consider.
For me, it will be cheaper to pay ones a year for a vet visit and full blood work, then to pay every month.
My female had a surgery because she bloated, do you think pet insurance would cover that? I can bet your butt it will fall under genetics/predisposed condition.
So, if someone can provide me with any potential benefits/savings by having pet insurance, i'd be glad look into it.