I vacillate with my decision to insure or not to insure my 2 Cavaliers. I have read the multiple posts here on investing in pet health insurance, but still find myself debating the right decision for my dogs. I live in the US and my 2 Cavaliers are currently healthy, ages 1.5 and 4.5 years. No pre-existing problems so far. If I were to insure them, I know I would choose Pet Plan. I realize I should decide soon.

How many on this board have chosen not to invest in pet insurance and have actually put aside money each month for their dogs ? Has anyone on this board decided to go this route in lieu of paying increasing premiums and high deductibles ? Is it more economical just putting that money in your private dog account for future needs ? Pros and cons to going this route ?

Can anyone help me through this dilemma ?