I can't decide if it's worth it....
You must go to a very expensive vet because I used to spend over $100 each visit and I realized...this vet is DEFINITELY overpriced. The neuter was going to be $450....and right down the road...it is only $250
It doesn't mean the vets are any better or worse...the overhead of their location and building must be more expensive so they have to "up" the price...
The insurance only works on CERTAIN things....hardly never on surgeries or emergencies....it also depends on what kind of insurance
I don't have it....not sure if I will ever get it either