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I pay 37 a month. Its going to add up over time, but its nice having piece of mind. I'd remortgage my fucking house if I had to for Monty, and its nice knowing that I won't need to if something expensive happens. A good friend of mine had to shell out 10k for double knee surgery for his one year old german shepard. I use trupanion like soundy pointed out, and I just received an email yesterday saying thee were changes to my policy. They added hip dysplasia coverage to their original package for no charge, and a couple other odds and ends like vet recommended training classes and such.
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