Having Pet Insurance is pretty cheap and is well worth the cost especially if you need to have surgery or some other expensive medical procedure done on your dog, cat or other pet.
Some of those procedures or medical emergencies with pets can be expensive to pay out of pocket and having the Pet Insurance will cover the major cost of any injuries that need treated as well as surgeries.
Pet Insurance doesn't cover all vet visits but is well worth it to pay for major things that a vet will need to do to treat your pet.
But of course you can just save money in a savings account and then pay out of pocket for the vets treatment or surgeries etc for your pet but the Pet Insurance will be better.