I came across this article that really appears to be an excerpt from Dr. Nancy Kay's book, "Speaking For Spot." There is also an interview (audio) on this same page that is worth listening to. Pet insurance is mentioned because of the increased used of technology in the diagnosis and treatment that our pets receive these days and the subsequent costs involved. But, that isn't the main focus of the conversation.
Every pet owner should read this article and listen to the NPR audio because sooner or later, you'll be faced with major decisions about the treatment of your pet and Dr. Kay gives a thoughtful way to go about making a decision that you can live with. She does so not only from the perspective of a veterinarian, but also as a pet owner herself who has worked through the difficult decision-making process herself.
I invite your comments about this topic.