I looked into vet insurance once when I had a job that offered it. I have two cats, both very young (about 2 at the time), and they never go outside. Both were healthy, had all their shots, and were spayed/neutered. However, because I had adopted them, the vet insurance was going to cost more than my health, dental, and vision combined. For two young, healthy cats, definitely not worth it.
If I had a dog that went outside and needed more frequent vet care, I might consider it.
Nothing matters but knowing nothing matters. ~ Wicked
Everything in life is only for now. ~ Avenue Q
There is no future, there is no past. I live this moment as my last. ~ Rent
"He's a tramp, but I love him."