We have VPI (
www.petinsurance.com).
We have the top-of-the-line plan for both dogs. Costs us about $750 a year, I think?
There's a $100 deductible for visits and well care is not covered (although can buy a rider).
It's come in handy a few times. It doesn't make vet bills disappear but you can mute their pain a bit. And if you get into a major illness or injury, they can save you a bundle. Treating a dog for cancer or a broken leg or something can run into the thousands of dollars.