How exactly does pet insurance work? Is it worth it?
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You will pay a set monthly price based on the type/age of your dog and the coverage you select.
Generally, there will be a deductible. This is the amount that you have to pay (per incident usually) before the insurance pays anything. Once the deductible is paid, the insurance company will pay some percentage (or all with a really expensive plan, I think) of the remaining bill.
You can also get a plan that covers some or all routine care for a much higher price.
When I looked into pet insurance, I was offered a plan for $40/month for my 6 year old dog. It had a $250 deductible and paid 80% of the bill after that.
Only you can decide if it is worth it.
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