I'll say, though, that you can't really expect the pet insurance to save you any money statistically. I mean, it might end up doing that, but overall if it saved everybody money then the insurance company would go out of business. (Human health insurance in the US doesn't work that way so much, but that's because health care is so messed up here; health insurance will argue down the price of treatments for the hospitals, who artificially inflate the costs of their master lists to counter this, so people without health insurance end up getting the shaft. I don't think that's what happens with pet insurance.) It's not going to put much towards care that's expected.
Not to mention that with five cats, you could be paying around $100 a month just for decent insurance for all of them. I feel like you'd be better off taking that money and putting it into a savings account for that purpose instead instead.
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I'll say, though, that you can't really expect the pet insurance to save you any money statistically. I mean, it might end up doing that, but overall if it saved everybody money then the insurance company would go out of business. (Human health insurance in the US doesn't work that way so much, but that's because health care is so messed up here; health insurance will argue down the price of treatments for the hospitals, who artificially inflate the costs of their master lists to counter this, so people without health insurance end up getting the shaft. I don't think that's what happens with pet insurance.) It's not going to put much towards care that's expected.
Not to mention that with five cats, you could be paying around $100 a month just for decent insurance for all of them. I feel like you'd be better off taking that money and putting it into a savings account for that purpose instead instead.