Quote:
Originally Posted by redvalaria  I'm glad you are happy. Really. But you obvioulsy aren't an accountant....I run a large grant and spend a lot of time looking at cost/benefit analysis.
So, 2 dogs. $70/month x 12 months = $840
you spent $1750 + 840 =$2590
you got back $611.37. (611.37-2590=1978.63)
so, you still spent $248 MORE than if you hadn't had the insurance at all.
So, how is that a good deal? |
The some of the biggest reasons people get pet insurance is to
A. cover accidents
b. cover genetic issues like luxating patellas (depending on the policy and the insurer)
She may have paid $1978.63, but if an accident were to happen (which we all know you can't plan for) that $1978.63 could have saved her
thousands. That cost of the insurance once a month more then pays itself off if it something horrible was to happen. Its no difference then health insurance. You ARE going to pay for months, for years (if ever!) you really need it. Some people don't think its worth the investment, some do. In the end... not having it when you need it is a lot more limiting then having it all along and spending more then you needed to have the coverage when a serious situation arises.
We can all complain about the cost of health insurance when we don't need it, but when WE do need it.... paying all that money for when you don't need it becomes incredibly important.
You may not feel that having dog insurance is worth it in case of accidents - but many of us do. I am thankful that you've never had to pay high emergency vet bills, but many of us worry about having to do so! You don't buy pet insurance to cover routine things (at least not a $70 a month policy) you buy it to cover the things you can't plan for.
Your post was written in a way that was incredibly condescending and totally uncalled for.
This post IMO was created to show that these insurance companies do actually pay. It was not a invitiation for you to tell us "But you obvioulsy aren't an accountant...." and that you think its illogical. Not only is that
off topic but its not at all necessary.