[Maxi]

I am debating on whether to get a pet insurance or not. Some people say its not worth it because you end up spending more money on insurance because you have to pay every month. Other people say that had problems with their dogs and had to shell out a lot of money are saying I wish I enrolled in pet insurance because it would cover a lot of expenses. So now I am all confused should I get a pet insurance or not. My baby is young he will be a year old soon. I was just thinking things happen and maybe if you have a pet insurance that will cover major things like hospital etc maybe worth having it? What do you guys think? Do you have a pet insurance?