Is it a good idea to buy pet health insurance, when you own a puppy?

If it is, which insurance company has the best coverage
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I USE BANFIELD OPTIMA PACKAGE $35 A MONTH COVERS VACS. ONCE A YEAR FREE OFFICE VISITS DISCOUNTS ON TREATMENTS. MY DOG HAD HEARTWORM RIGHT AFTER WE GOT HER THE INSURANCE SAVED US OVER $1200
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