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[quote=Anonymous][quote=Anonymous][quote=Anonymous]No insurance. Insurance is a ponzi scam. 
Put that money aside for emergency use, but most dogs won't need it if you take care of them and feed them right and exercise them. [/quote]

I thought this way too, back in the day, but have you seen what vets charge now? Locking in an insurance rate with a puppy is usually pretty reasonable. When my 3-year old lab was diagnosed with cancer, I was really glad we had trupanion for her.

If you're willing to put a pet down simply because you can't afford complicated care, sure, go without the insurance. But I'm not that rich, nor that detached from my pets.[/quote]

It’s not that, it’s just that the cost of the premiums is too close to the cost I expect to pay for vet care. I think the chances I end up behind are as good as the chances I end up ahead. And I can afford to be wrong. So I think I’m slightly better off keeping the premiums.

Like let’s say insurance costs $650/year and my dog lives for 12 years. It covers everything not routine. That’s $7800 in premiums. That’s enough to pay for a surgery and chemo, and I think the odds I end up way ahead are good enough to take the risk I end up a little bit behind. Because unlike human insurance, there’s no $1m or even $100k scenario here (and I doubt the plans cover that anyway). If my $8000 bill comes early, I’m not going to be in a bad cash position because of it.

Obviously the real math is more complicated and it depends on the specifics of the policy blah blah.

I would only recommend pet insurance to someone who is really, really close to the bone and needs to pay the premiums in order to avoid having to put the vet care on a credit card or something. But I would also tell that person to wait two years, put $650/year in a pet savings account, and then get a dog.

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