Assuming I have a time horizon >10 years.

  • @Kayday
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    4 hours ago

    I don’t know about that. Both of my cats would be dead if not for pet insurance. One needed a $10k surgery this summer that I was able to afford because of my pet insurance. The other had $4k of surgeries the year before. Both instances my insurance covered 70%. Neither of my cats are much more than 5 years old, just bad luck with their health.

    • Tiefling IRL
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      13 hours ago

      Right that’s about all they cover, the freak stuff that costs thousands. But for routine visits, vaccinations, and even small conditions that aren’t life threatening, they’re useless.

      • @Kayday
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        12 hours ago

        Correct, but thankfully that won’t be a surprise since it is evident when you are enrolling. It’s up to each pet owner to decide if that’s worth it.

        In our case, a few hundred dollars per year to make ER visits financially bearable is a good value.