Many years ago, I had a 9 year old with a badly torn ALC. He was right at that boarderline age. I did have it repaired, and it wasn't cheap. He was with me 3 more years, and I never regret having it done. When I got Ruger 5 years ago, I wanted to make sure he had medical insurance. So, I gladly paid the 25$/month to have him covered. He had a bit of a cancer scare, and I had 2 tumors removed from him last month. They were not cancer, thank God, but the bill was $450. I put in a claim with his insurance company, and I got back $280. That got me thinking. I have given the insurance company $25/month for 5 years. Financially speaking, this is not a good investment. I just opened up a savings account for my 8 month old girl. I'm putting in $50/month for her. It just seems to me that if you have a young dog, it is much better to self insure, than go with an insurance company. I know there are a bunch of folks with puppies now. Giving them their own savings account is an alternative to pet insurance.