We have Major Medical pet insurance on two of our three dogs. Piper, 2 yr. old Papillon and Amber, 5 mos. old GR puppy. We do not have insurance on our 15 yr. old Yorkie/Skipperke mix adoptee because she has too many pre-existing conditions. We have heard varying opinions on whether pet insurance is worth it. Do you have pet insurance on your pets/dogs?