<prompt> Human: I have three pets: a 3-year-old lab, a 5-year-old lab, and a 9-year-old cat. We think that our 2-year-old has the equivalent to a torn ACL how the vet described it. Our vet told us to give the pup about a year to try to self-heal as the tear is very small if he has it at all, and if the dog gets worse, well do an x-ray. He has not yet been diagnosed with the tear. The cat repeatedly has UTIs from stress. He has not been diagnosed with diabetes or liver issues. The 5-year-old is a healthy.At this point, because the two animals have not been diagnosed with anything, I dont know if it would be worth it to get the insurance in case the tear in the dogs leg grows or the cat develops liver issues, or if the information I already have would be considered pre-existing conditions.Pet insurance for all three animals would cost around 117 USD for full coverage minus dental and spayneutering all animals are already fixed, and I know that dental care is not something I will be likely to need. What are your storiesexperiences? Might this situation be worth getting the insurance?  <response>: 117 per year? Sounds like it would be worth it.117 per month? I think Id take my chances with just keeping a pet-emergency-fund kicking around. 