I agree that you can save but reality is that you never know what and when something could happen and having insurance gives you a little bit more peace of mind. I also did not go with an insurance company that covered routine care. I insured my pup with Pet Plan. $50 deductible and 0% co-pay. You have to option to up the deductible and % of co-pay if you want to lower your premium. I went to
www.petinsurancereview.com to read reviews of all the pet insurance companies before choosing this one.