<prompt> Human: I just bought a dog, and I love her to pieces. I know though that there will likely be unexpected costs since she is just a puppy. I am debating if I should set up a savings account for her or go the insurance route. My vet highly recommended Nationwide, but I havent read the best things about them online. For that matter, I havent read great things about most pet insurance companies. So, if you use pet insurance, who do you use and what do you like about their services?If you dont use pet insurance, what do you do instead to plan for your pup? How much are you saving monthly to plan for unexpected costs?  <response>: I got the free pet insurance from 24petwatch for 30 days and our claim was denied for pre-existing conditions because he was sick at the pound and got the same thing 30 days later. Fair enough. We didnt renew that and found the pet insurance through nationwide where our cars are to be better. my friend spent probably 5k in the last few months on her dog while we havent really had any issues, so you may or may not need it but its probably a good idea to have. Most plans i have seen have a small deductible and then you pay 20 after. 