I don't really care for pet insurance. I think it's better to get a credit card ONLY for veterinary emergencies and link it to a savings account that you can put money in, as much as you would spend on the insurance each month... That way you will be saving money (getting interest) and if something happens, you can use that money. If you don't have enough you will have the credit card. You can pay it off AFTER you use it. Instead of paying for something you may or may not use, as well as building your credit! Always a plus