<prompt> Human: Trying to figure out what makes the most sense financially. Currently have a wellness plan at pets Mart banco or something? And its 27 a month but it covers no serious issues, just the annual check-up. Thinking about axing it and switching to get insurance, all Im really worried about is if my furry friend has a real major medical problem and theres no way we could come up with the money. Whos using what and whats your premiums? Would love to get even or under what Im paying. Deductible can by high ish  <response>: Pet insurance as opposed to a wellness plan, which is what you had is very different from human health insurance. It acts as more of a true insurance, in it pays out for accidents and covered serious health issues, but not for any type of routine care. The reason we got it was that if our pup happened to have something major happen, like being hit by a car, we wanted to be 100 certain that we could tell the vet to do whatever it took, and the price was not a concern. Insurance gives you the peace of mind to never have to think about euthanizing your pet simply because you cant afford a life-saving surgery. We did this for a few years, while we were in schoolhad low income. We never used it, and paid for her checkups, vaccines, normal illnesses, and spay all out of pocket. Now that we have enough savings, we self-insure - we dont pay a monthly fee to an insurance company, but we have enough put away that the decision to put down vs pay for surgery will again never be a concern. at least for now while shes young and still has many years with us!We used trupanion, and paid 53month, with no limit on lifetime benefits. 50 deductible. We were also responsible for the exam fee, the taxes, and a 10 co-insurance. Hope this helps. 