I'm thinking about kitty insurance. If I was very well off I'd do it in a heart beat but I am trying to keep my monthly bills down. I was quoted an average of $30 ish a month. Or much more to overage wellness things like exams. $500 deductible. Besides my special needs kitty Ive rarely had $500 even in vet bills (not including regular things like exams, teeth cleanings). I had one kitty need a $3000 dollar surgery but that was one of 4 over their life time. I'm sure a few small things came up but it's never been too costly. So averaging $350 a year plus a $500 deductable I'm trying to decide if it's worth it. Plus I still pay 20% of the bill. I thought it would offer a discount at least on exams or shots as preventative care. I know it a piece of mind & you never know. Anyone else here have it? The amounts I posted were the average amounts I found when quoted.

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The little monsters 3

Why a high deductable? Sorry I'm new to this.
I'm just worried there may be so many loop holes on what they won't cover & honestly with most my pets I've rarely had emergencies so I'm worried I'll just spend way more in the long run on monthly fees then actual vet bills

I was checking. It's not much more for the lowest deductible & highest amount covered.

Higher deductable option

Here is my other option

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The little monsters 3

Insurance is a gamble. We all have it for our homes and cars and rarely ever use it. We have medical insurance on ourselves and many do not reap the benefits. The premiums you've listed aren't bad at all, but do add up over time. There will be a lot of exclusions and probably a maximum as to what they will pay. The insurance companies, after all, are in business to MAKE money! I don't have insurance on Raiden as I've got ample funds to cover whatever might happen. You can always "self-insure" by putting money aside every month. Should the kitty go years without needing anything extreme, you'd have yourself some money to cover something that might eventually come up.