I also looked into it and didn’t find it to be cost effective as I have more than one dog.
It might be a good idea for a first time pet owner or someone with just one pet.
It’s a crapshoot, sometimes you have a dog that has no health issues for their entire life span.
But often there is at least one medical emergency or condition that pops up…it would be helpful then to have insurance.
It depends on what you can afford (it tends to be pricey) and what the pet owner is comfortable with.
Ask your vet about it.
PS: I heard that you have to file claims to get reimbursed. You have to pay the vet bill in full first.
And yes, the deductibles, depending on your plan.
