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I was thinking of getting pet insurance for Dillon, however when i read the policy i saw some things that were not covered (on the specific one i saw) that might be issues ( I used to work as a Short term disability claim examiner at a major insurance company so i know the loop holes to look for that would negate your policy). One of the things not covered on this particular policy were genetic problems- well the top reason i was thinking of getting pet insurance for Dillon was for elbows, hips, eyes etc - cancer would be the big one that is covered that i could have opted for but i looked at it in the long run and said that if you add up $35 or more a month times the number of years of his life, if you just put your money away and saved for the possiblity of something bad happening , you would have enough to pay for these things anyway.
In my case, i have a special savings account just for my animals, and I squirrel away money weekly into that account...more than enough to cover a lenghty illness for any or all of my 4 furbabies. I actually started doing this when Misty ( my eldest kitty) was a few years old and now she is 16, and the amount of medical needed for her and the others has been minimal so I still have a nice fat nest egg for this kind of thing should something ever happen ( God Forbid)
I think overall pet insurance is great for people who are not good at saving....or who have pets that have family history of illness, but just read the policies carefully to make sure that everything you want covered is....
Emilie
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