Accidents can happen thats for sure,but i know for sure that if i had insurance over the years,i would be out of pocket by a substantial amount,that prob ally depends on the vet you use, a country vet or better still a grey hound vet,will only do whats needed to fix the problem,pet vets see pounds.I have been to the vets on sundays having a dog stitched,course of antibiotics,and drip for a couple of hours,and paid not even half price,of a pet person taking there dog to get worm and flea dose.