Veterinary care can be expensive. Should you shell out for pet insurance?

Alexis Pena knew her Great Dane, Zander, would need an accident and illness policy when she adopted him as a puppy. With her experience as a vet tech in emergency medicine, she had researched the ailments, like heart disease, that could affect that breed and made sure she got the policy a week after bringing him home. Last year, she put in 11 claims to her insurance…