[loveofpets]

As a professional pet sitter, I am often asked this question about whether or not Pet Insurance is a viable solution to those who may have difficulty saving enough for their pet's care during illness or injury.

Like most of you, I've looked at all of them as well - and for me, it is not worth it -- I plan on spending a certain amount on my pets each year (incl food, supplies, medical treatments) and I save that in a separate account. What I don't use carries over to the next year so that I have enough during their geriatric phase of their life to care for them without too much worry on the financial end.

It does require extensive research - I have a friend who bought into it and has not been happy - she pays $80/month per cat (she has 2) and rarely gets back what it costs her for annual exams.

My advice has and continues to be that each individual should carefully look at what they are considering - all the angles, all the details, and then look at their financial situation and make a decision from there. What works for one will not work for another.