Sorry if this has been covered before, but I didn't have any luck searching.

Does anyone have pet insurance?

I've decided to go with VPI for insurance for my new puppy (see "Show Us Your Pets" thread) and can't decide what kind of coverage to get. This is the first time I've had a dog young enough and well enough to be able to buy insurance. My other five cockers have all had serious and expensive long-term health issues (e.g., kidney disease, cancer, cruciate ligament repair, heart/blood pressure problems requiring expensive meds) but I can't decide whether to cover more routine vet visits also.

For complete coverage, it's $47/month.

If I leave out spay/neuter (which my vet will give me at a discount), dental cleaning, and urinalysis/kidney testing it's $37/month.

If I leave out routine care (flea/tick/heartworm meds, fecal testing, biannual vet visits, vaccines, routine blood work) it's $25/month.

Any advice? I'm inclined to go with complete, but I hold out hope that this will be the one dog I've had who won't be at the vet twice a month.