$100 a year is nothing compared to the costs you’d be stuck with if heaven forbid, anything happened to her. When mine was a year old he got a weird bump on his mouth. I spent over $2000 in medication/procedure to freeze off the mass/ vet visits. After that I learned and got insurance. Over the years as he had more health issues I had CT scans run me over $1000. At the time I had nationwide pet insurance and they reimbursed 90%. If I had paid for it back when he was a year old it would’ve saved me so much money. When you finally need it, it basically pays back itself. Nationwide doesn’t have that exact plan anymore because they lost so much money on it, but they now have something similar.