I sometimes wonder about doing this: putting money into a pot for possible treatment, that would otherwise be spent on insurance. I've had a cat for six years, and another cat for the last two years.
I know that pets are expensive to keep - no doubts there, and that something bad can happen at any moment. But seeing endless direct debits going to insurers, as well as vets' bills, and getting absolutely nothing in return (not even peace of mind), makes me wonder if it's really worth it.
Perhaps I'm just bitter about insurers in general (along with banks and other corporations that bleed us dry, but that's another rant), because despite paying them regularly, I've hardly had anything in return at all: so many vets' bills just don't seem to be covered by insurance: vaccinations, checkups, etc. One time our cat needed some expensive dental treatment, they refused to pay anything, because we'd missed a dental checkup in the last year. Not a proud moment, learned that the hard way, but was very angry that I had been paying premiums for several years, only to be told this.
Is pet insurance worth it? Is it feasible to save up and "take the risk" instead? Do they have exclusions for just about everything? I've heard stories that if your pet develops a long-term illness, which means they'll need treatment for the rest of their lives, insurance pay for the first batch of treatment, but absolutely nothing after that, because it's then a "known condition". Is this true?
Does anyone have positive stories about pet insurance?
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Does anyone "keep savings" instead of having pet insurance?
14 replies
letsgomaths · 22/12/2012 21:28
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