Quote:
Originally Posted by Purrybonker
The purpose of insurance is to protect against catastrophic loss, or put another way, losses that are either impossible, untimely or inconvenient to absorb.
Entering into an insurance gambit with the idea of saving money on an extended timeline is an irrational proposition.
Pet insurance would seem to fall readily into that category.
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Agreed. I still think having a large animal vet is cheaper in the long run than pet insurance. I ran our idiot dog over with my truck 2 years ago, all in with 1 emergency Sunday morning callout, X-rays, minor surgery, Anesthesia (4x) - once for the surgery and 3 times to replace bandages, 4 visits total cost a whopping $800. Less than $1000.
The vet told me when I brought her in that he recognized that all of these costs were discretionary. This dog was a rescue and this was the second time she had been hit by a car. The x-rays revealed a whole bunch of previous fractures. Based on the way she behaves when the school bus shows up (10x a week), I think she may have seen the underside of a school bus the first time.
She made a full recovery.