I have accident insurance for Oscar, I've kept that even though I now work at a vet.'s and get a discount, even with the costs being less, antifreeze poisoning or something of that sort is NOT cheap to fix.
I would definately recommend it if you have more then one dog or animal. I remember a client who had 2 dogs and had just spent a ton on one when the other got sick with antifreeze poisoning, they had to choose between their dogs and have the poisoned dog put down, what an awful choice
one thing to consider, is that insurance is gambling, you make a bet in the form of consistent payments that something will happen.
In canada, I've had success with Pet Plan, who paid me out when Oscar had an abscess that formed from a piece of speargrass, it took weeks to get it out, cost me about $450, and I got it all back minus a $50 deductable, that made the insurance worth it for me right there, since I'd only had him on it for 2 years and it had paid for itself (his injury fell under the laceration category, since the initial cause was a laceration from the speargrass).