Pet insurance makes sense if you can't cover emergency vet bills out of pocket. A dog that caught a porcupine needed thousands in emergency care. Younger pets benefit most from coverage, while older pets require harder conversations about care limits.
Chapters
Is pet insurance worth it? Well, it depends. Do you have a good emergency fund? Do you have money saved for pet expenses? Do you know how much you're going to spend on that stinking pet? My son just told me yesterday he was out hunting with his dog, which is his business, and instead of her bringing back a pheasant, she decided to catch a porcupine. So needless to say, that wound them up in an emergency room visit on a Sunday. And so my answer to, is pet insurance worth it? It kind of depends. Do you have a really good emergency fund? Do you know what, how much you're going to spend on that pet? How old is that pet? How much can you afford to do if you love them like children, like many of us do? So take a look at it, compare products. I would say younger animals, it's probably well worth it. Older, then you have to have the tough conversation about How much will we put into this dog, and when is it time to make quality of life be a decision? Be wise.