I wanted to share that although I dragged my feet about it, I eventually signed the dogs up for health insurance and I am REALLY glad I did. When Asia had the abscess on her mouth, the insurance paid 90% of the bill after a $50 deductible. It really gives me peace of mind to know that I do not have to worry about huge vet bills so I wanted to pass along that I am a believer now. I am using VPI Pet Insurance and you can get more info at ThatsAGoodHuman.com
I have no affiliation with the company -- I just know that my experience with them has been good, and a couple of my friends are using them and also have good things to say.