Insurance for my TOTO?
I am online trying to compare and (consider) getting pet insurance for my cairn and I’m stumped. I don’t hear about too many people who have pet insurance. I can probably see why, because unlike human insurance, you have to pay up front no matter what the situation of your pet is. You could have an emergency on your hands and the bill is 1200.00 and you have to pay it right then and there, but then if you have the pet insurance you have to wait some weeks before getting reimbursed. My thing is what’s the point? If I had that kinda of money sitting around, then I would just pay for my pet and call it a day. I guess I really don’t understand it. Is it really wise to even get insurance for my pet. I want my pet healthy, but I cannot afford huge vet bills either.
I think you have it already figured out — it’s pretty much a waste of money. Veterinarians aren’t like human doctors — they don’t refuse to treat animals who have no insurance. Even if you have the insurance, you still have to pay up front and submit the claim. I’d rather just set up a separate savings account and make small deposits into it “just in case”.
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