Hi all...ok in my search to learn everything before our pup arrives home, I am trying to decide if pet insurance is worth the price. And if you think it is, then which policy do you recommend? I guess the theory is that for a few hundred dollars up front, you stave off very large bills in the future due to illness or injury. Most companies offer both routine care and emergency/illness coverage. Is the routine care worth it? I really appreciate your opinions on this one!