Why? Isn’t it cheaper (in the long run, and on average) to just stump up for the vets bills? Insurance is a gamble with the odds stacked against you. An insurance company makes profits.
Time for the annual pet insurance gouge, as your current insurer takes the absolute piss on a renewal.
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Really depends on the injury/condition. Know friends who've had to shell out tens of thousands for pet conditions. Doesn't so much depend on your appetite for risk, as appetite for putting the pet down if it becomes super expensive.
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True. As with all insurance it becomes an option if you can't afford to cover the risk.
End of conversation
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As always, shop around.
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