What worries me about per insurance is that you pay up front then get reimbursed. I've read plenty of stories about problems getting reimbursed, or reimbursed very little. As much as I would like to say cost wouldn't be a factor in providing emergency care, it would be. Seven is a part of our family, but she's a member of the family with a relatively short life expectancy. With insurance, I believe it is very likely we'd choose a treatment based on an expectation of reimbursement, not one that we'd be able to afford without it.
I've decided to set up a separate savings for pet emergencies. I'm funding it in the spring every year when I get my bonus so it's a once and done thing. My plan is that if something ever comes up, we'll pay from that account first then consider any other savings we have or care credit if the bill is higher.
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Mommy to Seven, a shelter pup adopted at 7 weeks. DOB 04/13/2012.