EagleEye
Senior Member
Honestly I've always suspected that pet insurance companies will do everything possible to avoid paying claims when a pet actually gets sick so I've taken an alternate approach. I set up a separate high interest savings account which I transfer a small amount of money to every pay period (probably no more than a person would pay monthly in pet insurance premiums). It's earmarked for vet bills and I pretend in my head that it doesn't exist. My cat now has more money saved than many people I know.
It will always be available, there will never be a "denied" claim, I have full control over it and if my cat was to die suddenly tomorrow the money wouldn't go towards an insurance company's profit margin.
Sorry off topic I know but we're sorta there anyway and I consider it useful advice generally.
They paid for more than I expected when my cat was sick. I expected to get back $2500 and got close to $5000 and still have a bit more room to spare. She had one illness that caused other issues (she's healthy now) and they didn't question anything. I went for follow up bloodwork after the procedure was done and all 3 instances were paid for.
It's a good idea to either get insurance or do what you do and put money away monthly, as long as you have a couple of thousand to start and build from there, AND don't touch it! We hit nearly $10,000 over a span of 3 months because of 2 emergency stays at a 24 hour clinic and a procedure done in London, ON. She had never been sick before that.