Reasons not to get pet insurance

Although pet insurance can save you money, there are also reasons not to get pet insurance for dogs and cats.

For one thing, insurance companies usually don’t cover senior dogs. That makes it difficult because usually that’s the kind of dog you’d want insurance for anyway, not a healthy 3-year-old dog. There are a few companies that offer coverage for an older dog, but that’s if the dog has been insured every year from a younger age. Petplan pet insurance will cover dogs older than 8 years old for life if they have been enrolled in the program continuously since at least age 7.

Another reason is the premiums start to get really expensive when you have more than one animal. Instead of paying $25 per month for one dog, you could be paying $100 per month for four dogs. You might be better off setting that money aside for when something comes up with one of your animals.

The third reason not to get pet insurance is if you know you are not willing to spend a lot of money on your animals if they get sick or injured. If you are the type of person who spends a minimum on your pets – like routine vaccinations only – then you probably aren’t going to spend money on cancer care for a dog regardless. As long as your dog is not in a great amount of pain, maybe you wouldn’t pay for surgery on a bad knee. So why would you get insurance to cover such illnesses?

Do you have pet insurance for your dogs and cats?

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