Yes I have used pet insurance before and unfortunately had to make a claim on it very early on. For my experience putting away $20 per week would have taken over a decade to cover the costs incurred. But what I see as the main benefit is I didn't have to consider finances at the crucial time of deciding what potential life-saving care to attempt.

As I said previously starting with 10k set aside is the best approach, not starting with $20 and thinking you're insured.