<prompt> Human: My wife and I are about to adopt a second pup... this one a bit older and is 4 years old. Our current pup is 2 years old.Were extremely active and bring our pups to the dog park every day. We have a fairly large emergency fund sitting at 15K and were easily able to afford the cost.Im wondering if pet insurance might be worth it for the peace of mind. Ive heard healthy paws is great. For those who have itor have thought of getting it -- can you provide your rationale for why you do or dont have coverage?  <response>: Its like any other kind of insurance. It winds up being critically important for some people, overall beneficial to some others, and not worth it for the vast majority of people, who end up subsidizing the first 2 groups. The problem is that you dont know which of the three groups you will be in until it is too late. Its a form of risk management. 