Clark and his wife have two designer Chinese pugs that eat up more than just their share of dog food. In addition to costing a hefty price, they also have quite a few health problems. Needless to say, Clark would not go that route if they ever get another dog. Buying pound dogs usually works out fine, and the animals there really need your help. So, if you have a dog with health problems, should you get pet insurance? A recent story Clark read claimed pet insurance was not worth it because companies rarely pay out claims. The payout is below 50 percent, in fact. Consumer Reports also covered this topic recently and reported that pet insurance could actually add to what you pay for pet care instead of helping to defray costs. So, looks like the jury is in that pet care is not recommended.