Employers are starting to offer pet insurance as part of the company benefits package. There is no subsidy from the company, but people are getting it at a lower rate because of the number of potential customers. So, should you buy it? Well, the average owner spends just over $200 a year. Pet insurance would not be worth it in that case. But if the dog or cat is going to undergo a complicated surgery or major procedure, it would be a better idea. Also, if an unexpected expense occurs, would you be able to pay for it? If you don’t have the money, you have a potential case for pet insurance. Keep in mind that Consumer Reports gives it two thumbs down, though.