Many people have said "Why not just set up a savings account for pet expenses?" Yes, in a perfect world, when just normal things like check ups and vaccinations are the norm, this would be a good solid plan.
HOWEVER, when you have a seriously ill cat (Keito for instance) a small savings account isn't going to help. Keito was in Murdoch Emergency Vet for 9 days. Average cost was $1000 a day, because he needed 24/7, treatment, supervision, surgery and IVs etc etc. (pet haters, beware, I will delete your comments and block your sorry asses, capice?) Because we had pet insurance 65% of the bill was covered.
Ziggy's current bill is no where near that much, but getting $120 again back is good.(yes, again, because she has had this allergy problem a few times this year. $180 per visit.)
Each cat is about $300 a year to cover. That is the price of one emergency vet visit, NOT counting treatment, surgery, medications. $1200. About 1/8th of what Keito's vet bill added up to be. So yeah, definitely well worth it and cost effective.
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