Honest Advice About Pet Insurance

 From my experience of owning dogs, I would like to offer honest advice about pet insurance.

For a long time, I have wondered, is the insurance worth it?  Why am I paying a monthly fee for something I will not use?

However, I can say, at the end, it was worth it in my case.  Here are my calculations:

(You will have to do your as now, the insurance fee will be different than 15 years ago.)

My basic insurance fee started at 22 dollars a month that covers accidents and illnesses.  (at the end, it became 26 dollars.)  For simplicity, we will put it as 25 dollars a month.

25 dollars x 12 months x 13 years = 3000 dollars life time.

When dogs are young, they are healthy.  I did not use insurance for the first 10 years:  0 x 10 years = 0 dollars.

However, the last 3 years, my medical bill including 4 kinds of medicines for heart disease, all the diagnoses and blood work and surgery fees.

The total bill is more than 10k.  My insurance covers more than half of that, minus the 500 dollars a year deductible.  I still covered more than what I paid.

So...if you love your dogs, and if you are not super rich, I would suggest looking into some coverage.  

However, if the monthly fee is way more than you can afford, then maybe you can think about it.