I would suggest that pet insurance is an unnecessary product.
The emotional appeal to pet lovers is based on the idea of some unlikely catastrophic expense.
If you own a pet or pets, you should be able to pay for check-ups and shots yourself and then, if your pet needs additional care, you should not be caught without any savings or means to provide for your animal(s).
Of course, since many people are irresponsible and have no savings of any kind, this sort of insurance may help them avoid putting such an expense on a credit card, etc., however, you will pay a premium for the privilege.
This is not just my opinion. Consumer Reports, in a recent article, stated that pet insurance was "a dog."
I've been a pet owner, of one type or another, for most of my life and I have not and will not bother with pet insurance. It is just another oversold insurance product and additional expense without solid justification.
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