Quote:
Originally Posted by Dame  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. |
THANK YOU DAME!! I also feel her comment was uncalled for! I am NOT a stupid person...AND I know down the road as they become older I will probably have to use it more...I hope to GOD not! If I waited to get insurance when they were older I would be paying a much bigger premium AND they don't cover pre-existing conditions...so in the long run "I" feel I am doing the right thing.
And actually the policy that I have DOES cover routine visits...I have the superior plan that covers part of the OV and shots, heartworm and lyme tests and heartworm meds.