For routine procedures, pet insurance probably isn’t worth the cost. But it can be totally worth it if something bad happens to your pet.
My wife and I never gave pet insurance much thought — until we were told our cat Wally needed surgery that would cost nearly $3,000.
In the 10 years since we adopted our exquisitely lazy and self-possessed tabby, he has become our muse, the subject of endless chatter, social media posts and at least one professionally painted portrait that's displayed on our wall. 26-year-old is one of first Gen Z women to hold public office in the U.S., works at Google and is getting her MBA—how she balances it all
Crucially, pet insurance does not cover preexisting conditions, which are based on medical records from prior vet visits. With Wally, periodontitis is a precondition, which means that we will have to pay for tooth extractions, if needed.I can see why most people don't sign up for pet insurance. To many, it may not seem worth the cost. And in some cases, it isn't..
That's because the value for any given pet insurance policy depends on several factors, including your pet's overall health, whether your pet is genetically prone to specific diseases, or your pet's preconditions and lifestyle. The cost of your plan and what it covers will be big factors too.To help decide whether pet insurance is right for you, he suggests that you"crunch the numbers" by comparing the annual cost of insurance with your vet bills in the last year.
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