After paying for two TPLO's and a 4K bill for a bout of acute pancreatitis, I decided maybe insurance wasn't such a bad idea after all. I went with PetPlan because they cover hereditary conditions and don't call things like diabetes "pre-existing" when it comes time for renewal and drop your coverage like many do. You have to be careful, not all are created equal. The following site is a pretty good place to start if you're shopping for insurance: http://www.petinsurancereview.com/