I started a thread about this a while back, if you want to do a search. People had mixed opinions. We decided to get pet insurance. For us, we can afford the monthly payment without a problem, and I'm glad I won't have to make a "how much is too much" to spend if something serious happens. That was my biggest worry.
"I don't know! I don't know why I did it, I don't know why I enjoyed it, and I don't know why I'll do it again!" -BART SIMPSON