Pet Insurance???

I've always had a dog of some sort or another, some house and some outside. I have never had pet insurance on any of them. Have any of you had any experience with pet insurance coverage? Can you tell me if it is worth the added expense? From what I found on the net, it didn't really look like it was a good investment.I know that vet fees vary from city vets to farm vets, but getting an annual reimbursement of $10 for an office call, doesn't sound like much. It would cost me $430.05 a year to cover two dogs and only get $20 of that back for office visits? That didn't sound quite right. I went to www.petinsurance.com to get info.

Just thinking about it. Just found out my female is expecting and I thought I had her in confinement but must not have been long enough. :(

Oh well, thought some of yall might have some input.