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Pet Q&A: Is Pet Insurance Worth it?

Q.

We have a pug, and the breed has a lot of potential health issues. Is pet insurance worth it?

A.

Pet insurance can save you money, especially if you have a puppy or kitten in need of pricey vaccinations or an older pet that has a slew of serious health problems. Practice due diligence, especially because pet insurance does have a bad reputation for insufficient coverage, high deductibles, etc. – just like people insurance does. First, carefully check out the insurance company through the Better Business Bureau. Next, find out if there is a cap on the insurance. See if preexisting diseases are covered (if not, it might not be worthwhile for older pets); what the deductible is; and who has the final say about whether a procedure is covered. Finally, talk to your vet. She should have experience with different plans and can tell you which policies would be worthwhile for your specific pet. You’ll also want to find out if the doctor even accepts the plan you’re considering.

-- The Nest Editors

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