Is pet insurance a good idea? Are there any personal stories anyone can share?

by Veterinary Pet Insurance (VPI)
Question by Melissa: Is pet insurance a good idea? Are there any personal stories anyone can share?
There was a story about Pet Insurance on the radio this morning, and I'm considering it for the first time. I know next to nothing about it, though.

Does anyone here have it? Is there any particular company which stands out from the others on the market currently?

Thank you for any info you can share!
Ouch. Well, that's already a negative. I don't consider

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