Join Date: Nov 2006
Location: South Carolina
Submit Photo: 2
Photo Submissions 31 Times in 22 Posts
Maybe I have been married to a mathematician too long <bg>. I think of all insurances kind of in the same way- if something happens, do you have the resources or do you need the insurance?
I have a good friend who her best friend/agility dog ended up tearing both ACL's within a 3 year period. This can be quite common because suddenly the dog shifts his weight. Each surgery was around $3,000-4,000. She didn't have pet insurance. She was completely able to pay for the first surgery no problem, a year later, the second one was pretty tough as she just finished paying off the first one.
On the other hand, I grew up with dogs and my parents never had any major surgeries, etc. Their last Golden lived to 19 with the biggest problem being ear mites-she loved to romp in the woods. So you really have to decide on your own. Some just feel more comfortable knowing that their little furball will be taken care of if they have a major life crisis, etc. Also if you opt out or check into the insurance plan and decide it isn't for you, you could always put away that $40 per month in a doggy savings account.