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

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.