Pet insurance—once the province of dusty brochures at the vet’s office—has gone mainstream. But do you really need it? If you’ve ever taken a sick pet to the vet’s office, you know the pain of seeing your four-footed family member hurting. Then, of course, comes the secondary anguish of figuring how to pay for their veterinary care, which may have you wishing you’d ponied up for pet insurance.