I don't have a pet for the very reason, I could Not afford the Vet Bills.
I have often asked people who do have pets, if they have insurance.
Some say it is not worth it....or....they wouldn't bother.
To me, I guess it is a good idea.
After all Vets are expensive.
No. For small animals like guinea pigs, I do not think it is worth it. Guinea pigs are not good under anaesthetic, so if anything happened to them that required very expensive treatment, they would be unlikely to survive the procedure.
Like various Insurances, is a waste of money, as you NEVER get much back anyway. Look how much human Private Health Insurance is, compared to how much return!
Have always paid at the time.
Will continue doing so.
I no longer have a pet as my beautiful littel Jack Russel passed on in 2006 at age 17. But back then I did have pet health insurance for a while and did get more from it that I had paid out. I would reccommend it, finances permitting.
I have had the pet insurance add-on with my contents insurance, it only cost an extra $50 and covered enough for my purposes. I looked into actual Pet Insurance and crunched the numbers - if I'd been paying for insurance for my 7 year old cat I'd have paid out around $7000. last month I paid $800 for dental surgery, that's the only large vet bill I've had in all those 7 years ...
Yes I do for one dog but not the other.
They are rip off merchants, and this year, despite having no claims in a year, my 8 year old dog's policy went up by 18%.
Emailed them and they said it is automatic that they go up.
Have not insured my other dog.
Im glad I have a $700 vet bill on the dog that was insured! Makes me feel better for paying out $1000 per year