Pet insurance: How it works and what it costs

If you've ever had a pet get injured or sick, then you know that vet bills can add up quickly.

These policies usually work on a reimbursement basis. So, you'll pay your vet directly and then file a claim with your insurer afterward. They'll then process that claim and reimburse you for the appropriate amount. Depending on your policy and the treatment, it may be the full amount or a percentage of what you were originally charged.

Pet insurance costs vary widely, but with most companies, you will pay between $30 to $70 per month for a dog and $15 to $40 per month for a cat.Your pet's breed and gender. Always compare at least a few quotes to ensure you're getting the best deal and coverage. Keep in mind that all pet policy plans will have coverage limits — a maximum amount the insurer will contribute annually. You'll want to keep these in mind when choosing your policy.Pet insurance typically doesn't include routine care, like vaccinations, heartworm/flea preventatives or annual check-ups — at least automatically. However, many insurers do allow you to add coverage for these items at an extra fee.

I paid $10k over the years for my pup and never used it once. It bills monthly and raises every year slightly. Looked back at how much I had spent over the years and could have just set that same amount aside in a personal account to pay for vet. Still haven't needed to! scam

Never. Ever. Buy. Insurance. For. Anything!!

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