OK, I hope this isn't a regularly asked question, but what are the group's feelings about pet insurance? Any experiences-good or bad? Just saw a friend go through some really expensive trauma with her fur baby and thanfully for her, her vet had recommended it when her pup turned 4, so she was able to make some better decisions than if she hadn't had some financial help. I'm now seriously considering a company called Trupanion (no sales pitch-they've been fantastic to my friend) but when I 1st checked their website calculator for an estimate, I typed in Chessie and his age (6) the premiums seemed like a lot (twice what my friend pays for a 6 year old Doodle), but maybe that's the going rate for a Chessie? Any other companies folks recommend? Thanks so much for any advice!