There are lots of pet insurance companies now. When I had my last dog, VPI was really the only good option and even that didn't cover the things I needed at the time.

We were at the vet last week and I saw fliers for 5 different pet insurance companies (I admit, I counted because I was so surprised)! We might consider it eventually, but both of our dogs are young and healthy, so it's not really on our radar at the moment.