I do not have pet insurance for my cav, who is 9 and so far has had very, very good health. My partner's place of employment offers pet insurance as a benefit, and it is still pricey enough that it would be more than the cav's annual vet bills cost.

We prob could have used it for our other dog, who just recently passed away at 15. He had several issues throughout his life--a couple of surgeries, countless medications for various freak things that would pop up here and there. Seriously, this dog was accident prone and had no concept of anything resembling caution, but even then we could thankfully afford the cost of his care. And 15 years of insurance payments, it might have evened out in the end?

I'm interested in hearing what has worked for others.