I have to say in my case I am so thankful I have Pet Insurance.
 
I have Trupanion and last year I used it alot. Needless to say.. I got more back in reimbursment checks then what Insurance cost me a year. It was a lifesaver. I also have Care Credit and and Empty Credit Card as well.  It is hard knowing what to do I see the pros and cons with having Insurance and starting a Saving account..  
But I am afraid no matter how much I could possibly put in a savings account something would happen and drain it so quickly. Then I would worry If I would be able to build it up in time for the next time. Trupanion will cover hereditary and congenital conditions as long as they are not found to be pre-existing. And since I had Taycie covered so young.. nothing at this point would be considered pre-existing. 
I also recived an email stating Trupanion now covers therapeutic pet foods. They cover 1/2 of the cost of the food to assist in the care of your pet. I just called and spoke with a rep and they told me the way to go to get some money back for Taycie's food. 
So.. yes.. I like Taycie's insurance