Insurance companies are structured so that 50% of your premiums go to pay salaries and dividends to their investors. Also, they tend to stall and are reluctant to pay claims. I would not consider it to be a good value.

Running the numbers for the policies I’ve run into, the premiums are too high to make it worth doing (a LOT like dental insurance). I come out ahead simply setting some savings aside for vet bills, which have tended to be highest late in our pets’ lives. And yes, I am well acquainted with how high those bills can be. When need arises, I’ll dig deep in my pockets to treat my fur family.

Somehow they survive without much of that

Vets can be as expensive as people doctors these days. I have three cats. I do not have pet insurance. My attitude toward my cats is that I will always give the best care i am able to give, always make sure they have good lives, but if they become ill enough to need extensive surgeries or procedures that will affect their quality of life, I will make them as comfortable as possible until the illness changes their quality of life and then I will help them go in fearless comfort. One can't explain surgeries and medical procedures to an animal, and I would never want my beloved pet to experience terror or torture.

Just be careful if you purchase some. I never looked into it as I just never did. A friend of mine wanted to get it when he got his old lab, long ago. The reason was quite simple, many labs have a congenital problem, and unfortunately for him,, that was not covered (why he wanted it). When I was married and my ex decided to breed cats, it probably would have been worthwhile. (Didn't make any money on that venture, but we broke even and got some wonderful cats as pets
Most of the kittens that we sold were at half price to friends - Ocicats are really sweet and cute).

We have had at least six cats for the past twenty five years. Never had insurance as it would have to be for each individually, I assume. Vet bills can get outrageous, so shop around. Sometimes the most expensive just wants the money, good luck.

My wife works in a vet office, and she recommended we get Trupanion (https://trupanion.com/)

We have coverage for both of our babies.

My animal care facility is Banfield and they don't have insurance, exactly, but they have a plan which lets you pay into it on a regular basis. Then, most all visits are "free." I couldn't read your link and don't know if Banfield is available in your area but you can certainly ask around.

THANK YOU for taking in a needy cat! Servitude's not too bad, once you're used to it!

You cat is ridiculously cute. I've never had pet insurance.

I have had cats most of my life, and a dog for about 15 years. I never paid for pet health insurance. I do believe my employer offers it, I know past employers have. My thinking is 1. If the pet is so sick that they need expensive health care, it is worth putting them through the discomfort? What will it do for their quality of life? And 2. What EXACTLY does that policy offer? Insurance is about sharing risk, but also about eliminating risk. The insurance company is out to make a profit from you. That is their bottom line. I don't feel like making another damn insurance company any richer.

A good thing to have... if you can afford it.

Oh, what a beauty! I'm so glad you found each other.

I know more dog owners than cat owners who have insurance. One just went through double ACL tear surgery and the insurance capped the cost at $3,000. Of cat owners, I've heard satisfaction about Lemonade, but they haven't used it for anything major. Does your preferred vet carry a plan for maintenance visits?

Yikes, murder? Sorry to hear. I am glad kitty found a home with you, and that you understand the rules. lol

I do not have pet insurance. I think it would serve to inflate the cost of everything, just as human insurance has.