Is it worth getting pet insurance in Australia?

Is it worth getting pet insurance in Australia, yes it is worth it for most dog and cat owners, as vet bills $2K to $10K for accidents and illnesses like broken leg $3K, cruciate $3K to $5K, cancer $5K to $10K and ingestion $2K to $5K are common, with pet insurance $30 to $80 per month for dog $10K to $20K annual cover 80% reimbursement covering $2,400 of $3K bill minus excess $100, paying for itself if one large claim $3K to $5K in 3 to 5 years. Pet insurance $30 to $80 per month for dog, $20 to $50 for cat, with $10K to $20K annual limit, 80% to 90% reimbursement and $100 to $500 excess, covers accidents and illnesses including surgery $2K to $10K, cancer $5K to $10K and diagnostics like MRI $1,500 to $3,000, with waiting periods 2 days accidents, 14 to 30 days illnesses and 6 months cruciate. For example, dog breaks leg $3K, insurance $50 per month $600 per year pays $2,400 minus $100 excess = $2,300, you pay $700 plus $600 premium = $1,300 versus $3K without insurance saving $1,700. Dog with cancer $8K, insurance pays $6,400 minus $100 = $6,300, you pay $1,700 plus $600 = $2,300 versus $8K saving $5,700. If you have $10K to $20K emergency fund and can afford $10K bills, you may self-insure, but for most owners $50 per month $600 per year is affordable versus risk of $10K bill. So pet insurance worth it for $30 to $80 per month for protection against $2K to $10K unexpected bills, paying for itself with one $3K to $5K claim in 3 to 5 years, especially for young pets before pre-existing exclusions.