Insurance companies are in business to make money. The only way to make money is to take in more than you pay out.
Insurance premiums always go up. I've never heard of anyone paying the same price with a 6month old, a 6 year old and a 16 year old. There are also a lot of exclusions and as your vet stated, many payout based on what they believe the service should cost, not the actual cost.
For me it's always worked out better to put money aside in an interest bearing savings account each month...that's what I did with my last yorkie.
I got ZoE shortly after I sold my last house & downsized, so I had cash on hand and put some into a CD for her should she need any major surgeries or procedures. I also went the CD route, as both my kids were young adults in college with little money themselves, and I didn't want them to be burdened with the cost of caring for ZoE should anything happen to me.
__________________ (ZoE  )(Chelsea ) |