So for me ime I've had little dogs or Yorkies for over20yrs. They all lived to an old age . Except one. My first Yorkie. I had ~$2k in Vet bills other then checkups/maintenance. Back then insurance was pretty expensive. So it would have cost more. Now unless its comes down in price I've seen it starting at `$20 month per Dog with a $200yr deductible. 5% off checkups .. So if I got Moki insurance when he was a pup. That would have been $720 outta my pocket so far. To me the value would only be if he was in an accident. But if i take all my other previous dogs I would have spent easily over $10k and not have used it. With the current rates. It maybe good if something happens and you would not be able to cover the cost. Or younger dogs. But as the dog gets older the value of insurance goes down versus premiums paid. Unless it can be had for cheaper? And insurance has gotten better. Wasn't so good when I was in the market. But I will just pay for the Vet. For me its the better option in my mind. JMO |