I have pet insurance for Rylie and I'm 100% convinced it is worth it. To know that she would be covered completely no matter what and I could care for her without having to worry about how I'm going to pay for it means a great deal to me and is worth the fee I pay every month.
I have Trupanion and have yet to actually file a claim so I have no comments on how well they follow through with things, but they have the most coverage from my research and are around the same price as those that offer less coverage.
http://www.yorkietalk.com/forums/yor...used-help.html
It is a personal choice to get insurance or not and what plan to get if you do. Please read that entire thread as I switched my mind many times. I finally settled on Trupanion. They even have a comparison function on their website which I thought was nice (this info backed up the links I had posted in the "embrace vs. petplan" thread). Check them out.
Trupanion vs. Petplan - Compare Pet Insurance Companies | Trupanion
However, like I said I have yet to make a claim. I will be sure to update if I ever have to, but I'm hoping I'll never have to make a post like that!
Edit: I settled on Trupanion because they have NO lifetime limit and they cover hereditary defects, LP, etc. I also opted in for the hip dysplasia coverage with the extra fee. I really think they are great and reasonably priced.