As a disabled person on a very low fixed income, vet insurance is not an option. $36 per month and a $250 deductible, would mean giving up frivolities like heat. When something happens, I just depend on my Karma to find a way to pay the vet. I should say that I have a great vet, who is wonderful about taking payments. My animals get all of their shots, check ups, flea control, chipping, and licensing, so I must do something right. I just took Eli to the vet yesterday and the bill is $308, so insurance would only pay $58, and when you subtract that from what I would have paid for a year, it just does not make any sense. The only thing covered by locally available vet insurance is vaccines and checkups, so it would only have covered a small part of the bill, but the deductible would mean I would still pay the whole bill.