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Is pet insurance worth having?

by VerityG (follow)
A life lived in fear is a life half lived.
Money (149)      Advice (63)      Pets (52)     

cat veterinarian stethoscope pet
"Veterinarian Examining A Cat" by niamwhan via FreeDigitalPhotos.net

I've been inundated recently with adverts for pet insurance and was wondering if over the length of a pet's life, it would work out worth paying the premiums?

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Top Answers

After paying around $2000 for my old dog just because he got grass seeds embedded inside his skin, I definitely would recommend it.

Health insurance company once told me that they would rather have this and not use it than have it and use it as that means you are healthy.

I believe the same applies to an animal -vets are very expensive with no Medicare so I think it imperative to have insurance.

My young dog had never had a sick day in his 5 years but after this episode with the older dog and because I had to go so often for the older dog with general things, I decided it was worth $600 per year to spend in case he ever got sick.

As it turned out, he is going blind and I am happy that I can go to specialists and not have to worry about the cost now.

I do not begrudge the now $700 a year.
by Finy
Our cat is now about 10 years old, and has never had a serious illness or any need to see a vet other than for his annual jabs. However, he is heading into "senior cat" territory and it has made me wonder if getting some insurance against vet fees would be a good idea or just money down the drain....
The RSPCA won't insure animals over about 8 years old, I think. If you've been with them before that, then I think it continues.

Despite being on Centrelink benefits, I do have insurance for my cat, at $22 a fortnight, coming out when my payment's in the bank so I don't notice it, as the vet bill will be $60 + otherwise.
by amanda
I love animals but cant justify spending loads of money on pets.
So would that mean yes or no to insurance? Do you think that having insurance would save money in the long run?
I really could not afford that at the moment but if I could fit it in the budget then no problem.
by Gia
Not sure as we no longer have any pets. As far as previous pets have gone, no pet insurance was needed.
by Vee
I do not have a pet.
Yet! if I did, I would have to get pet insurance, because Vet Bills are ridiculous! sorry to say.
I have heard some very expensive fee's, makes a person not want a pet?
you need to remember that a vet is a specialist in everything! A visit to a vet is actually cheaper for most than a visit to the doctor for humans.
The difference is in there is no medicare, and no pharmacy benefits and medicine etc is horrific for animals. But then again we do not possibly realise that it is the same for humans, but the Govt subsidises it in many cases or if on a pension.
by Finy
I go to my doctor cost's me nothing...
Vet's charge big time :(
by jonaja
YES i have had pet insurance for 5 years now, a must have with 2 german shepherds with 80% back and claiming on check up and vaccines. The only draw back is when you make a claim they make you jump through hoops (make sure you keep all your vet receipts they need history of your pets) and all vets that you have use

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