Pet insurance is worth considering if a surprise emergency visit or serious illness would be a financial strain. The NAIC says pet insurance usually works like human health insurance: plans can have exclusions, deductibles, payment limits, waiting periods, and different levels of coverage. Many plans do not cover pre-existing conditions, and some companies limit enrollment by age.
The practical question is not whether insurance sounds nice. It is whether you want help absorbing a large vet bill for an accident or illness. ASPCA recommends considering pet health insurance while your pet is healthy if that kind of bill would hit your budget hard.
Before you buy, compare accident-only plans with accident-and-illness plans, then check the reimbursement method, annual limit, deductible, and waiting period. The cheapest monthly price is not always the best deal if the coverage is thin.
A reliable pet insurance plan is a small investment that makes this easier: pet insurance plan.
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