My job offers subsidized pet insurance as a perk, and even then, the monthly fees are so prohibitively expensive for my cat that it would be a financial mistake to pay for insurance rather than save the money and use my savings in an emergency. Not to mention that I’d have to with insurance anyway, since the premiums were so high.
As a rule, non-essential insurance (including pet insurance) is designed to be a losing bet as you are paying for the average cost of an insured animal’s care, plus the overhead of hundreds of people’s wages.
The only reason I could see you paying for it is if you know your pet will absolutely need it in the future and it will pay for itself, in which case I would use insurance with the smallest premium. Best of luck.