After lots of hemming and hawing, thinking and weighing, I decided to buy pet insurance for my new cat Jerome. He's young and healthy now, and he's an indoor cat, but most of my pets have had pricey health problems at some point in their lives, so I thought it was probably best for me to get it.
I wrote a post here a few months ago wondering if I should get it or not. I talked to my vet. I talked to other people. I read lots of opinions on the Internet. The case against getting the insurance that made the most sense to me was that if one just put the same amount of money in the bank each month, one would have an emergency fund for the pet, and if the pet never got sick, one could just use that money for other things. But the argument that refutes that is two-fold -- (1) what if the pet gets sick right away, and (2) $200 a year won't cover much.
So I got the insurance and now little Jerome The Cat is covered against accident and illness. The night after I signed up for it, I was awakened by a strange squeaking sound -- it was Jerome boxing with a bat that had flown into the house and he had someone caught out of mid-air. Bat and cat were un-injured and the bat eventually left the house, but I felt that really vindicated my decision to get the insurance. I do feel much more peace of mind.
