UUGH! I can hardly jusify the amount we have to pay for us for family coverage (husband is self-employed, so no discount there

). It seems like even people insurance has sooo many loopholes and things they won't cover. But since most emergencies for people can cost upwards of 40,000, I can't see not having it, especially with our child. Correct me if I'm wrong, but it seesm like most pet emergencies usually do not go over 5,000.00. Also, will the vet allow you to make payments? If so, I'll think I'll skip the pet insurance and take my chances.