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On the other hand, these policies typically do not cover routine care for pets, have deductibles in varying amounts, do not cover pre-existing conditions and generally require payment by the guardian, who then submits a claim, so that even if your claim is allowed, it will take time for reimbursement.Also, note the pre-exiting condition issue -- once you discover a condition, you are not able to get new coverage for this condition.
My general view on insurance companies of all kinds is not a favorable one.Pet ownership is a big responsibility, but doesn’t have to break the bank.The two largest pet expenses are food and veterinary care. Feed good quality food to your pet, manufactured by a brand name company that puts money into research and quality assurance. Most animals will do well on a balanced commercial diet, and unless they have a specific medical problem, don’t require “specialty” foods.My experience with pet insurance is largely anecdotal, since I never buy it for my companion animals.The pros are that insurance can cover many unexpected health problems, like accidents and illnesses.
If you cannot absorb this kind of bill, insurance is something to look into.