I was raised on two theories: “just in case” and “you never know”.
Because of this, I have never lived a day without health insurance. When I was no longer covered by my parents’ policy, I had my own. When I was interviewing for jobs my father reiterated to me how a solid health insurance plan was more important than a larger salary (try telling this to someone who is about to get their first real paycheck – and has rent and car payments due!).
So when we got Vito, of course the first thing I did was get him Pet Insurance. (Yes, they have this. If you wonder what kind of suckers purchase it, hello. It’s me.)
There are a bunch of different types of plans (I won’t bore you with the details), but the bottom line is, it’s just like human health insurance. You pay for it every month “just in case” something happens to you, but at the end of the year, more often than not, you’re put more out of your pocket to pay for the insurance than you would have had you not had the insurance.
Sure, I get small reimbursements for “well visits” and heart worm and flea and tick medications. But the insurance only really pays off if something big happens, which it won’t, because Vito is going to live forever.
So for my hundreds of dollars each year, I get peace of mind.
And Vito gets a really expensive birthday card.