Would pet insurance worth the cost?

Of course yes.Just believe that animals are our friends. http://wangtf.edublogs.org/

It's a tough one, because, as with all types of insurance, you hope you'll never need it. And in that 'best case scenario', all your money, month by month and year after year, will have been wasted. Even if the worst does happen, and you need to make a claim, you may well find your insurer doing its best to wriggle out of paying you through the small print. (Some insurance companies are ace at this !) On the other hand, if you pet is seriously ill, or injured, or develops a long-term complaint, veterinary fees can be horrendous. Operations are highly expensive, often four-figure fee items, whilst on-going medication can become a serious drain on monthly finances. Even more serious would be if your pet caused damage to someone's property or - worse yet - injured someone. Then you could be looking at mega-claims against you which might far outstrip any personal resources you had. For this reason alone it is vital to have at least third-party public liability cover insurance. However, this may well be available through your normal home insurance policy, and need not mean seeking extra insurance specifically related to your pet. The issue of vet's fees is the thorny one. It's safe to say that, in a normal pet's life, it will need veterinary attention at some point, aside from the routine vaccinatins etc. So, it would be advisable to make some financial provision for this if at all possible. Some people set aside a regular monthly amount in a special 'pet emergency' account. This way, they are not 'wasting' insurance premiums that are not claimed for. But - such savings grow only slowly, and may never be enough to meet a really serious veterinary bill. The only other option is insurance, but it needs to be chosen carefully to meet your specific needs. ( And you own vet may not be the best to guide you in this, as he/she may have their preferences based on their own best interests, not necessarily yours. Ask a friend's vet instead.) The age and breed of your pet are important factors in deciding what to insure for, and what the premiums might be. Your breed society could help you a lot here with relevant, experienced-based information. If your pet breed is susceptible to a particular medical problem, it might be best to insure against it when the animal is still young, as cover may not be allowed at a later age. Shopping around for the best insurer for your particular pet is vital before you commit yourself. The cheapest may not be the best. Some insurance companies are notoriously bad or slow payers, and are sometimes even blacklisted by vets. Sometimes insurers raise the premiums sharply if you actually make a claim, or even refuse to cover that particular illness again. Other companies give a good deal whilst the pet is young, but increase their charges steeply as it grows older (when it is harder for you to find new alternative cover elsewhere.) Personal recommendations from satisfied claimants are as good a guide as you can get. On the whole, if you can afford it, pet insurance is money well spent for the peace of mind it brings.

I would love to have pet insurance, but who would I insure? with 26 its a tough call, and I'm not counting the 4 ferals destroying my bathroom at this moment.

My advice, is that if you can afford it, then definitely get it,,,the whole idea of "if their young you dont need it" isn't true, my cat had a serious eye infection when he was only 3 and it cost $300 just for all the meds, it was either that or h lost the eye ,,so you have no idea when your pet may get sick, or get hurt, so its the same thing as having health insurance for a person, its peace of mind, because believe mevet costs, or surgery costs can be very expensive, but if you have insurance then its a lot less expensive, just like human health care, the reasons some breeds are not covered is because certain breeds are more prone to serious health conditions, i have pet health insurance for my youngest cat and am working on getting insurance for my older kitties....

I think from birth to the first year is the most crucial. Therefore, for the first year I think I would buy the insurance. After that maybe only every other year if I was allowed. My pets only get their shots every two years anyway and since they are still young, Thank God!! they don't really get ill.

No, mainly insurance companies does not have the right insurance.