[LWJ]

So I have opinions on insurance - having paid for my lifestyle selling the stuff for a few decades.

Here gos: Insurance is for things that are 1) unexpected and 2) unable to be paid for. Example is liability incurred for a nasty car accident.

I have told thousands if not tens of thousands of people that instruments like dental insurance, eye insurance, travel insurance, cancer and accident insurance are not in the above two categories. They are more akin to a forced savings plan. And, if you don't max the plan out you will be way out of the money. My opinion has been rejected by probably 98% of everyone I deliver it to. So clearly, I am in the minority.

I do expect that pet insurance is a very high margin product. I would love to hear more. I have not ever explored it.