At $44.65 per month, that's $535.80 for one year. You said roughly $80 per month when he's 11 if it keeps increasing like it is, which is less than $1,000 for the year.
Does the insurance cover something like hip displaysia or only something like if he's hit by a car? Because if he ever needs hip replacements, I think someone said it can be $6,000 per hip, give or take. I think that if you can afford it and you like your plan, stick with it. Just make sure YOU feel like it's worth it. Even if you never need it, it's best to have it just in case.
Ozzy - Chocolate Pom
-Fastest 2012/2013 U-FLI Pomeranian
"In a perfect world, every dog would have a home and every home would have a dog."