We've had pet insurance for just over a year & half. Ours does cover dental, $300 a year. After having massive vet bills the latter 2 months of our last yorkie's life, we decided it was worth taking out. Coverage is $2,500 per accident per year, $2,500 per illness, per year. We pay $46.72 per month and there is an annual deductible of $100.
It also covers Boarding Kennel fees if you are hospialized and can't care for your pet. Holiday cancellation due to pet illness, cremation or burial - all up to $1,000 ea.
We haven't had to use it and hopefully we won't, but if unfortunately the occasion arises, we know we won't have to mortgage the house to pay for medical bills.