I've got pet insurance for both my dog and my cat (only ever had horse insurance in the US). My UK insurance covers my pets for accident, illness, injury, and death, and doesn't have the silly exclusions I encountered in the US (we'll cover illness for the cat, but only if it's due to kidney damage at age 7-8, etc). So far I haven't had to use it, but I like knowing that it's available in case something does happen.