berkshire

Actually, faber, that's unlikely to happen. Human health care is what is termed 'managed care' - the patient only pays copays and all billing goes through the insurance. Pet insurance companies (generally) require that the client pay the bill and submit copies of invoices for reimbursement. So vet care can't skyrocket in the same way since the client still bears the initial burden.

I agree that an emergency fund is a better way to go. But in my case, insurance was optimal. I'm a student, and am on a very tight budget. I can afford the $30/month, but if something had happened to Tucker before I acrued enough savings, where would I be? I plan on starting an e-fund when I'm gainfully employed. For now, I am comforted to know that if something major were to happen, I could afford the very best care, not just the care covered by my meager savings.

*Edited to add: In an ideal world, I would pay for insurance until my e-fund was substantial enough to cover major surgery (~$3,000-5,000). I just refuse to make Tucker's medical care a financial decision, especially since I'm in the position to know what is truly in his best interest, medically speaking.

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~Candice