Is Pet Insurance Worth It?
Pet insurance can feel confusing at first: deductibles, reimbursement rates, annual limits, waiting periods, exclusions. But at its core it’s pretty simple. You pay a monthly premium, and if your pet has a covered accident or illness, the insurer reimburses part of the vet bill (after any deductible). The goal is to protect yourself from the kind of surprise veterinary costs that can wreck a budget. Most policies in the U.S. are accident-and-illness plans. Preventive care (vaccines, annual exams, flea/tick/heartworm...