I just heard a radio talk show program about pet insurance, and did some research on my own as well. Here's what I have to offer on this topic, for what it's worth.

Pet insurance is a waste of money for probably 90% or more pets out there. For the most part, the only time it was recommended was if the pet has a history of medical problems, or requires prescription meds. The insurance helps offset those costs.

Be careful. The door is wide open for being scammed or taken advantage of with something like this. Do your homework!