It sure seems like a small price to pay for those "just in case" moments. When you add it up, it's usually more expensive per year than the yearly checkups themselves, but what if something does happen? My boyfriend's cat just got really sick and the bills were a little over $1,000. He didn't have pet insurance or any money saved up, so I helped him out, but now he does have it. I don't have it, but am thinking about it. I think it is worth it for sure.