Do you guys have pet insurance?

I got it the day I adopted my 8 month old guy and pay $20/mo. I’m pretty sure my plan covers emergency costs, not general vet appointments/vaccines so it’s in place in case of something severe. I care about him more than anything so it definitely feels worth it, but-

I’m honestly wondering if it would make more sense to just set $20 aside every month as an emergency fund for him, to use when/if he needs it but also for myself to have access to if I needed it.

Wondering your guys perspectives?