I have EMBRACE which was recommended by my vet. I have an annual deductible that is $250 IIRC. When my Golden Retriever was a few months old the insurance was about $30/month. Now that he is 10 years old, it's $130/month.
When the dog got leptospirosis and nearly died, the insurance paid most of the $6,000 bill.
There is nothing cheap about pet insurance but I wouldn't be without it. My daughter had a Bernese Mountain Dog. She let her insurance lapse because of the cost. The dog pulled a bag of raisons off the counter and ate them. She got stuck with a $7,000 bill. Sadly, the dog died anyway.