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[quote=Anonymous][quote=Anonymous]Pet insurance, like any other insurance, is worth it if the worst case scenario would ruin you financially or emotionally (i.e. having to put your dog down because you can't afford treatment.) Otherwise, it's always (on average) better to self insure. Insurance companies couldn't exist if they weren't taking more in from premiums than they were spending on payouts. [/quote] Insurance companies invest the money and make a profit from that. It depends on the exact type of insurance, but most types pay out a really high percent (and often are mandated by law) of what they take in in premiums. That is why you saw a premium refund from most car insurers last year. [/quote]
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