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They wouldn't be selling it if the odds were in your favour, that said I was always against pet insurance and that's come to bite me in the ass so bad the last few years so don't listen to me lol.
When I bought my wife a new car a few months ago I did not get this insurance, like you I didn't have a loan either so I took that into consideration as I was willing to take the risk should the worst case scenario happen.
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“The world ain't all sunshine and rainbows. It's a very mean and nasty place... and I don´t care how tough you are, it will beat you to your knees and keep you there permanently, if you let it. You, me or nobody, is gonna hit as hard as life. But ain't about how hard you hit... It's about how hard you can get hit, and keep moving forward... how much you can take, and keep moving forward. That´s how winning is done. Now, if you know what you worth, go out and get what you worth.” - Rocky Balboa | 
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