PET HEALTH INSURANCE

We have two emergency vet hospitals with specialists in town, not bad for population of about 140,000. BUT they have been struggling, short staffed, etc. and I heard they are not actually open at night for emergencies! That is very concerning. The closest place would be a 40 minute drive away. What a sad state of affairs for people who really need help quickly for their pets.
 
Do you have pet health insurance or no -- why or why not?--For those that do has it paid off or close to it and which brands do you feel are the best. I know for some people it really has but I wonder on avg does it pay off????
I don't, we have an equity line of credit for the dogs, lol
 
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