Quote:
Originally Posted by Erick Estrada
I'm no expert on pet insurance but if your cat is strictly indoor I don't know if insurance is a must have.
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I would tend to agree. Yes you can get unlucky and have your cat swallow something that requires surgery or get sick and need xrays etc but in my experience it is not usually good value for the service you get. This is in largepart due to the horror stories I've heard from people who found out their coverage had a million exclusions (think even more of a rip off than travel insurance).
I would either a) just prepare to have to pay for it out of your own resources or b) set up a specific pet savings account and put $50/month (or whatever) in there for the inevitable vet bills.
Since I first got my cat 3 years ago, I've spent exactly $0 on vet visits other than her initial mandated shots. I haven't set up a separate savings account for vet expenses but I have budgeted as part of my regular rainy day fund just in case.
My sister's cat hadn't been to the vet in 13 years. But in the last year she's spent about $1200 in various procedures because the cat is getting older and has had some minor health problems.
One thing in favor of pet insurance is that everything is crazy expensive when it comes to a vet. Something as simple as a blood test or teeth cleaning can cost like $500 each.