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We have pet medical insurance. It’s about $30/month per pet. If you can’t afford medical costs for your pet then your pet will die if something bad happens. L

We have pet medical insurance. It’s about $30/month per pet. If you can’t afford medical costs for your pet then your pet will die if something bad happens. Likewise if you take some magical fairy “society owes me taking care of my pet” then you’re going to be as disappointed as if you walk into a Chanel store and demand a free purse. Pets are a luxury, not a fucking right. It’s not anyone’s job to keep it alive if you can’t afford insurance or costs.

latchkey 3y ago
Check what that insurance actually covers and do the math on it, especially over time (and even factor in current interest rates) and considering total coverage along with deductibles. You might think that you're covered, but in reality you aren't. I couldn't find any insurance that made better sense than just putting $30/mo into a money market account at 5.25%. The way the policies are written, they clearly are there to make money on people who are buying piece of mind comfort over looking at the reality of the costs.
- lowbloodsugar 3y ago
  It has worked out positively for us so far, but yes, even with insurance it doesn’t cover everything. My point was not “buy insurance”. My point was “pets are an expensive luxury”. Pets. Plenty of farmers with working animals, and you won’t find them here complaining, because they aren’t under any illusions.
- zargon 3y ago
  In my specific situation, I would have paid less money with insurance for just the diagnostics, not counting any procedures. (For a 16 year old cat.) Definitely do the math, but emergencies and diseases of old age can become extremely expensive. You may end up never needing it, but if you do, it can really reduce your costs. Personally I now prefer to pay out the $30/month and be covered for costs exceeding that, than to maybe get to keep the $30/month in the end.

latchkey 3y ago

Check what that insurance actually covers and do the math on it, especially over time (and even factor in current interest rates) and considering total coverage along with deductibles. You might think that you're covered, but in reality you aren't. I couldn't find any insurance that made better sense than just putting $30/mo into a money market account at 5.25%. The way the policies are written, they clearly are there to make money on people who are buying piece of mind comfort over looking at the reality of the costs.

lowbloodsugar 3y ago
It has worked out positively for us so far, but yes, even with insurance it doesn’t cover everything. My point was not “buy insurance”. My point was “pets are an expensive luxury”. Pets. Plenty of farmers with working animals, and you won’t find them here complaining, because they aren’t under any illusions.
zargon 3y ago
In my specific situation, I would have paid less money with insurance for just the diagnostics, not counting any procedures. (For a 16 year old cat.) Definitely do the math, but emergencies and diseases of old age can become extremely expensive. You may end up never needing it, but if you do, it can really reduce your costs. Personally I now prefer to pay out the $30/month and be covered for costs exceeding that, than to maybe get to keep the $30/month in the end.