[redvalaria]

Look, I don't see how you can say I insulted you. I just did a quick calculation.

I do feel that way about a number of things: I don't pay for collision insurance on a car that costs less than $6,000 because the premiums would be more expensive than the cost of replacing it.

I carry health insurance on my family because a medical emergency could run to the 100's of thousands of dollars. I love my guys, but vet care is just NOT that expensive. And yes, I have made the trip to the emergency vet before, it was less than you paid in a year's premiums, so I came out on top.

All I was pointing out was that you paid out more than you got back, plus you did pay the "uncovered" portions of those bills.

I guess because I deal with more than my own personal finances (I run a $21M grant for a state) that I feel obligated to do a cost/benefit analysis on these things.

Insurance companies only make money if you spend more than they pay. Otherwise, they couldnt afford to stay in business.

I don't see how on earth you can compare that to house taxes, which everyone has to pay to keep the roads, schools and government functioning.

What I am saying is, in any given year, you spend close to $1000 on TOP of unreimbursable vet bills, when, if you saved that same amount of money (in an interest bearing account) you would have far more than the $500-600 they might reimburse you in any given year.

But I am somehow MEAN for pointing this out?