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One of the biggest reasons I got pet insurance for my puppy is that pre-existing conditions are almost never covered. By getting insurance early, before any potential health issues arise, I ensure that if my puppy develops a chronic condition later in life, the treatment costs will be covered, unlike if I waited until symptoms appeared.
I’m trying the “self-insurance” route. Instead of paying a $50 a month premium, I put that money into a dedicated dog fund. Over a year, that’s $600. My hope is that this fund will grow over time to cover any unexpected vet bills. However, I acknowledge that if a $800 x-ray is needed early on, my fund might not have enough yet.
Before getting my puppy, I researched the breed’s common health issues. For example, Golden Retrievers are prone to certain conditions. Knowing this, I decided pet insurance was a good idea to protect against potentially expensive treatments related to these breed-specific risks, which could easily cost thousands of dollars.
I used to think pet insurance wasn’t necessary until my last dog had a medical emergency. Just for diagnostic testing, one night at the emergency vet clinic cost close to $6000.
That experience completely changed my mind, and now I have insurance for my puppy. The monthly premium feels like a small price to pay compared to a bill like that.
When comparing pet insurance plans, I learned that some have annual limits, like $5,000. While this might seem like a lot, some major surgeries or treatments can exceed this amount. I made sure to look for a plan with an “unlimited annual limit” option, even if it meant a slightly higher premium, for better protection against catastrophic costs.
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