Q: I've been seeing lots of ads for pet insurance but I'm not sure whether I should get it for our new puppy. The hospital we go to offers a plan but it's only for basic care at one place. Do you have an opinion?

A: If a veterinarian thinks it's worthwhile to insure her own pets, you can bet she believes it's worthwhile for her clients, too. Here are my reasons for insuring my pets:

• It buys peace of mind. When you know you can only afford $500 if something goes really wrong, pet insurance makes it much easier to say, ``Go ahead. Save her.''

• Saving for emergencies is ideal, but few of us have the discipline to do that.

• Pet insurance works. It may not be perfect, but I don't have any insured clients who regret the decision, whether or not they have used the coverage.

That said, not all plans are created equal. You have already identified the significant limitations of you animal hospital's coverage: Your pet cannot see another provider, nor will you be covered for after-hours emergencies or specialized procedures. And that may be when you most need the protection.

Educate yourself before choosing a policy. Pre-existing conditions, reimbursement policies, genetic disease exclusions, maximum coverage amounts, deductible options, customer satisfaction ratings and premium prices are some of the factors to consider.

One good research tool is www.petinsurancereview.com. Sorting through the many companies and options may remind you of that last hour you spent in your dentist's chair. But it's an hour well spent if you find a policy that's right for you and your pets.

Dr. Patty Khuly has a veterinary practice in South Miami and blogs at www.dolittler.com. Send questions to khulyp@bellsouth.net, or Dr. Dolittler, Tropical Life, The Miami Herald, 1 Herald Plaza, Miami, FL 33132.