I was reading some older topics and came across the posts regarding insurance claims. I'm wondering...do most of you have pet insurance? I'm in the US so I'm wondering if it is like our healthcare where certain vets accept certain insurers? Also, what does it cost in US money to have this and would you all recommend it? We have a Golden Retriever who is 10 and we haven't ever carried it on her. She has some severe anxiety with storms and noises be we don't medicate her and other than that she's never had any major vet expenses.