I too have looked into it and do not see it worth the money . Also I have done some research on it and from what I have read , these "pet insurance" companies do not like to make their payouts .
I think pets should be a tax right off . Studies have been done to show that pets are great for a persons well being . Petting a dog or cat is great stress relievers , and lowers the heart rate . This is why they have prgrams where volunteers take dogs and cats to hospitals and homes for the elderly . Same with aquariums , a study was done to show that dentists and doctor office patrons were calmer in the offices with aquariums , than those who do not . I do not care how bad my day is or how stressed I am , I can sit and watch my fish and I calm right down , it's almost hypnotic .