How exactly does pet insurance work? Is it worth it?
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Second question first: it’s worth it, but not in the way an investment is. What you’re paying for is peace of mind — as in, **if** your pet ever needs very expensive treatment, you stand a better chance of being able to afford it. Personally I think the “win” condition for pet insurance is that you never make any claims.
How it works depends on which insurer you go for and what policy you get. Some will pay for routine medical exams, some will not. Some will cover specific conditions and not cover others (as a note, a lot of them _do not_ cover cancer by default!) Some have age limits (as in, they will stop insuring your dog once the dog is 14), and even without that the price is likely to increase — a lot — as your pet ages. Like an other insurance, _make sure you understand the policy_ before signing it.
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