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Do you have pet insurance? I have two cats and 2 dogs and no, I do not have pet insurance. Most finaicial analysts and CPA's do not recommend pet insurance. I do however have a savings account for our animals, so we hvae the money to pay for something (reasonable), but if it is never used then we are not losing money on a policy/premiums either.
Do you find the cost worth it? No, IMO the cost is absolutely not worth it. Too much "red tape" and denials versus what you pay for the coverage. I buy medications from the human pharmacy whenever possible to keep costs down or from pet pharmacies online that are reputable or price match with my vet for the online costs, learn how to do procedures to keep costs down (such as when my dog needed sub Q fluids, and when he had surgery and needed after care), so far I haven't had any issues, despite having numerous extremely ill animals.