We looked into getting pet insurance when Charybdis was diagnosed with a heart mummer. It didn't take me long to discover there were no plans that would fit our needs. Most did not cover pre-existing conditions, congenital conditions (birth defects) or health issues the breed was known for. So while they would be terrific if your pet was in a serious accident (barring any exclusions in the fine print) they didn't do much for those of us with pets that had congenital conditions. Give Savings account versus pet insurance
By Kim Campbell Thornton a read. And if possible start a savings account for your pet now.