Anyone use pet insurance? Is it worth it?

(Apologies if this isn’t the correct sub for this) Maybe I was just naive but up until a few months ago I never took an email to a vet or animal ER

The amount of money needed is insane!! Why would anyone become a doctor, I assume a vet requires less years of schooling and they must be killing it.

Anyway, has anyone who’s used pet insurance have a strong opinion of if it’s worth it or not?

**Edit 1: sorry it was impossible to keep up with all of the comments. I have noticed a bunch saying I was insulting vets and wrong on my school comment . I apologize, I didn’t mean it in a bad way. I made the assumption that doctors for animals need less schooling and seems like I couldn’t have been more wrong. I didn’t mean it in a bad way