Pet insurance can be useful. One of our cats, Archie, was adopted from the pound and came with free insurance. After bringing him home, we realized he had coughing fits, which we at first thought was a stuck hairball, but after a trip to the vet realized it was asthma. The insurance covers his asthma medication as well as health maintenance visits. If we hadn't have had the insurance, it would have costed way too much for all of his medication & doctor visits, and we would not have been able to afford to keep Archie... probably would have had to take him back to the pound, where he would've been killed if he hadn't been adopted.
Pet insurance saved our cat's life - I recommend you get it for at least the first year you have your pet, it will save you heartache in the long run!
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