Yes i would DEFINITELY get it for your baby! I bought this one-
Accident Protection for Dogs - Dog Insurance, PetCare Pet Insurance
its deducted monthly and with tax and all it comes out to 12.95 a month.
My best friend has a dog that got hit by a car about a year ago. She broke BOTH back legs and the surgery cost 3000. She is still making monthly payments to the hospital. Fact of the matter is most pple dont have tons of savings to blow on medical care like that... and 12.95 is like 150 a year. Thats less than i pay to have my nails done a year!