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April 30, 2007


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That's a great general rule, FMF.

I think Pet Insurance is so worth it! It goes beyond when the dog gets old and their health is failing. My cousin's 3 year-old dog got sick from the tainted Menu Foods dog food. Her dog suffered mild kidney failure. With insurance, my cousin only had to pay $100 out of pocket for her treatment, whereas without insurance she's could have had to fork over $16,000 cash (most vets don't do financing or payment plans). Yes, Menu Foods promised to 'reimburse' pet owners for any medical bills incurred, but what if my cousin had to fork over the $6K up front? Most people don't have that kind of extra money lying around for a pet. In a country where doggie dialysis is $10K a session, her $29.99 premiums were well worth it! (The dog made a full recovery, by the way.)

Personally, I have pet insurance on my dog. I pay $14.95 per month. Now, when he gets older, I may or may not opt to use any means necessary to prolong his life. The insurance is there so money isn't even part of that decision. When it comes to my dogs life, I don't want it to be a financial decision but an emotional one.

You might want to first check out what most pet insurance covers. Much like your own health insurance, you'll quickly find out that dental isn't covered and most vet visits are not covered either. Does your dog or cat have a pre-existing condition, guess what that won't be covered either in most cases. if you're pet is discovered with some problem within the first two weeks of being covered you'd better hope that nothing is discovered or that won't be covered either.

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