FWIW, I looked into it when I got a dog back in June and decided no. You still have to pay a good percentage, from what I could tell. The only time it really seems worth it is if something major goes wrong with the pet and it needs surgery or something to get it fixed. You either A. Be glad you got insurance and get it fixed, B. Pay a bunch of money on your own, or C. Don't get it taken care of and let the pet live as long as it can with the condition.
Since A is not an option for me, I hope to never have to face the decision between B and C.
Anyway, for routine things, it did not seem to be worth it.
