pet health insurance

My Chi's name is Baby Girl she is a Chi Pom Mix and I love her dearly. We have had her for four weeks now she is 13 weeks old and I don't know how we functioned with out her. I am really nervouse about vet bills and how to pick one, and I also don't understand pet ins. So if anyone has any...

Does anyone have Pet Insurance for their Chis? I was thinking of getting it. I checked one company and they charge anywhere from $350-$425 per year. There is a $50 deductible with each visit. My chi (don't have a name yet for sure.) is only 7 weeks and we bring her home in 2 weeks. Spaying her...