In most cases IMO insurance is a scam.

It's there to protect people against the worst of the worst situations, which really are hospital stays and losing your home.

Nothing else imo is financially destructive enough to provide any real benefit by having an insurance policy. Even car insurance, the biggest risk in a car accident is not the damage to your car but health costs due to injuries.

If there is no chance of you going bankrupt, insurance isn't going to provide any real protection for you, it is just going to cost you in the long run.

The fact is that having a dog will cost you, there will be health costs, and having pet insurance is certainly not going to be a 'free ride' for health costs.