This was cheap...around $800. Since Gavin is 15, I never had health insurance for him. It wasn't so much a thing when he was younger and the policies out there tended to cover less. Future pups I will, definitely though. I would much rather have Gavin than the car I could have bought with the money his cancer treatments cost. If you amoritize it over his life, it probably isn't signicicantly different than paying premiums, especially if you consider what it would be if you could invest that money. I was lucky that his radiation treatment coincided with me working near that particular vets office so I could drop him off every day before 8AM (It was still dark out!) and then after it was over I very soon started a new job a lot closer to home. The great thing with care credit, was I had the vet bill me for the entire treatment at the beginning and then I had 6 months interest free to pay most of it off with the signing bonus from my new job. Now if only it was tax deductible like human health care!