re: What pet insurance do you use?

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it only covers the big things. So unless you actually have that $1500 bill, you're pouring money into a pit you hope you never need. Pet insurance is like homeowner's insurance in lots of ways.

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This- I looked in to it again after I had a $600 bill for an exam and meds, but it's $75/month and it doesn't cover any routine maintenance. I'll just take my chances

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The problem with pet insurance is (1) as it's been said it's a reimbursement process and (2) it only covers the big things. So unless you actually have that $1500 bill, you're pouring money into a pit you hope you never need. Pet insurance is like homeowner's insurance in lots of ways.

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It’s definitely one of those things you say you don’t need until you do and you wish you had it. I had it for my dog when he was young but got rid of it because it didn’t cover vet visits, shots, etc and it was like $45 a month IIRC.

Fast forward a couple years and now the dog needs a $3000 surgery plus weekly follow up appointments for 8 weeks. Like $5k all in. Guess who’s not getting the surgery now.

People hound me over not getting the surgery all the time. I just ask them to pay for the surgery and I’ll do it. If I had pet insurance that could reimburse for part or even all of it, it would be a no brainer. And no, they don’t cover preexisting conditions lol