Wow, $20 a month is a great price. We just spent $5500 trying to save our female boxer. It was a week from hell. We originally signed off on $2500 worth of testing, to try and find out what was wrong with her. Then we got a call 2 hours later from the specialist that we had to bring her to, that they found a hole in her intestine, and had to do emergency surgery. That could run very high $$$
At this point we were told she would have a 50\50 chance. Of course we opted for the surgery, but she passed away 3 days later. Now we are left with a huge hole in our hearts, and the burden of paying off the vet bills.
Needless to say, we will be looking into insurance, when the time is right for our next boxer.