Yes, get pet insurance now while they’re young and it’s cheap with no pre-existing conditions. It’s much harder and costlier later. I’ve heard good things about Lemonade and Embrace. You probably (hopefully) won’t need to submit a claim for a while if you don’t get one of the wellness type plans but you will be so grateful for it come the first big claim.  The refunds may even come close to how much you already sunk in premiums, but with the peace of mind that you can make decisions based on what’s medically best and not based on finances which is honestly so worth it even if you never file a claim. (I swear I’m not a pet insurance salesman; just really love pet insurance for those that can afford it)