Hello everyone. I just started research on pet insurance and would appreciate thoughts from my SM family. I tend to be a sort of gambler in life and usually think insurance is a big scam. I can certainly afford afford my pups annual exam, blood work/titers, teeth cleaning. And if something horrible were to happen I can afford a big bill, not to say it wouldn't make me flinch. So I am wondering about "catastrophic" coverage, to help with a big bill in case it happens. Does anyone have any similar coverage? And if so, what company do you use and how much are the monthly/yearly payments? Thanks so much!