Not TOO familiar with pet insurance, but having three dogs with ongoing needs (one having two knee surgeries) the expenses that hit us the most is routine/annual vaccinations to ensure that we can board our dogs if we have to leave town. Most boarders require updated vaccinations within six-months (i.e. Kennel Cough) to be updated. If your insurance covers those things it's good. Like any insurance, think about your lifestyle, and the costs of routine medical care at your vet, vs. simply putting some cash away monthly to help with your dog's care.
We can afford to take things as they come, but some people may feel that pet insurance is the way to go, but buyer beware.
We are told by our government NOT to judge Muslims by the actions of a few crazies. We are also told by this same government TO judge ALL gun owners by the actions of a few crazies.