By depending on the dog I mean if you have a giant breed for instance and you KNOW there are going to be vet bills. Or like with an IG where you KNOW they're likely going to have dental issues, etc. If I got a dog with known health issues I'd be more likely to get insurance because I'd be more likely to use it. Accidents/illnesses can happen to any dog yes, but they're not a guarantee like other known health issues are. When we got Kane as a puppy the vet gave us a 30 day trial of pet insurance. He ended up having some stomach issues and was in to the vet a couple of times and had some tests done, etc. The insurance didn't cover any of it.I do agree that it depends on your financial situation, but I disagree that it depends on your dog. Having a dog that is mostly healthy all its life doesn't mean there won't be an accident or sudden onset of illness. A dog getting loose and hit by a car can quickly and easily cost upwards, or even over, $10k. Swallowing a sock can cost thousands, cancer happens even when the dog has been healthy for years, etc. Insurance will also cover minor things like ear infections, cuts, rashes, etc. which can still cost a couple hundred dollars a pop.