How exactly does pet insurance work? Is it worth it?
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Pet insurance is good for the individual who can afford it, but bad for pet owners in general. It drives up prices, and encourages veterinarians to perform procedures based on financial rather than medical reasons.
Most people who can now afford pet insurance were able to afford out of pocket expenses in the past. There were no £1000 vet bills unless you had several hundred sheep. So now, the poor can afford neither insurance, nor normal expenses that used to cost £15 – £25.
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