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I think it's a waste of money personally. There are a lot of things it doesn't cover for one and I had a friend that had it and she was constantly fighting with the company and in the end lost so the $3,000 that they should have covered they didn't and she paid out of pocket. The problems that my cat and dog both had that well kitty cost us around $5K and the dog was a good $3 or $4K neither of the issues that they had pet insurance would have covered. My girl with her Valley Fever pet insurance would not cover. For what they charge per month, stick it in a savings account instead and keep a savings account especially for the animal. You can also apply for Care Credit which is a 0% interest credit card for 12-18 months strictly for veterinary, dental, hospital, basically medical issues that arise that you couldn't fork out the lump sum for but because it's for medical and vet use only it's 0%. When we had to take my dog to the internal med vet it was al ittle over $1K and I had just lost my job so I applied and we did that and minimum payments were like $50 we paid $100 a month and had it paid off in no time. So there's another idea. You can look into the companies, there are many, but they aren't regulated per se like human insurances so like my friend her bull dog needed a vagina tuck for lack of a better phrase because there was too much skin in that area and the insurance company denied it stating it was allergy related despite 2 vets writing letters to them saying it wasn't. So she had paid all this money every month they had never covered any of the allergy related problems then she ws stuck paying the $3K vagina tuck surgery bill too so she dropped the insurance. Stick $75 or so into a savings account each month, apply for care credit, brush up on things that kitty really does or does not need (for example, vets give antibiotics for kennel cough and URI's in dogs, they're worthless don't do a dang thing but they give them anyway and charge you for them), don't just follow the doc's advice blindly and you should be okay.
Here's the thing you have to add up what they charge, versus do you really think you will ever pay out that much in medical bills. Even with the amount we paid out (a good $5-$6K) between our cat and our dog, we would have paid MORE than that had we had insurance on both of them for the entire time we had them and that was the only problem either of them ever had. If they got cancer would you do chemo? Personally I don't care if I am a millionaire I would not put an animal through chemo. At that point we would make them as comfortable as possible for as long as possible and through using human drugs that you can get at generic prices (I paid $6.50 for 100 pills of my dog's pain medication, and most of my cat's medications I got through the human pharmacy too) and using supplements that you can get at places like Wal-Mart and Costco you can keep that cost down. A lot of places as well will only pay for a chronic condition for a year, once the year is up you're on your own. So that's why I say to put the money away in a savings account, let it earn some interest and then if your pet passes away you still have the money and can go take a vacation or something. Sometimes what you pay isn't going to benefit as the cost of things isn't THAT high. Yeah you can get into $20K if you are willing to put your pet through chemo or something along those lines, but if you aren't then it may be a better idea to pay out of pocket.
Just some things to think about and weigh against each other.