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Price it out, and do the math. Long story short, if you get a puppy and don't have a solid emergency fund, pet insurance *might* make sense. In the developmental years there is a lot of risk due to a lack of training and knowledge. Getting hit by a car, for instance, is more likely the younger the dog is. By four years old, if the dog isn't well trained, is a recent rescue, or has some bad habits you haven't been able to train out (escaping the yard, for instance)...pet insurance *might* make sense.
But ultimately, if you're able to put the money you would spend monthly on pet insurance away into a savings account...and NOT touch it for any reason. You will 100% be better off in the long term. You really need to look at how the pet insurance policies pay out, and the maximum payout per year they offer. Short term, accidents like broken legs and stuff, it can make sense (but only if you aren't able to build up a safety fund before the leg happens). For long term illnesses like cancers, they very rarely have enough built into them in either the per-visit or annual-payout to be effective.
The details are in the actual policy, which you want to read thoroughly.
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