Does "self insure" mean being able to cover $10k out of pocket? We'd never really considered pet insurance before, but our friend's puppy just needed $7k in emergency care and he's so glad he had insurance. With the financial uncertainties of covid, it feels even more important. I'm just wondering if we missed the window for affordable coverage.I use Embrace and I know it is considered one of the best. Trapanion and Healthy Paws are also popular. I think it is typically recommended to use insurance if you are unable to self insure up to 10k or so.