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Just rough figures, if I paid insurance for the past 11 years at $30 per month (probably more now - but it was about $30 a month about 6 or 7 years ago when I looked into it) then I would have paid $3960 and I have to pay the first $100 PLUS 35% of the bill..... I am probably about even on what...

I looked into this several years ago and decided that for a small dog, the cost of about $30 a month was not worth it, because the insurance excluded so many things. From memory (and I am happy to admit that my memory is rather hazy about the details) it covered things like the dog being hit...