Pet Insurance - Need YOUR Help!

[ChrisH]

1) How do you usually pay for vet care? (Credit, Fund specifically for pets, Savings, etc)
Cash, debit card (don't have a credit card any more, hate the damn things).

2) Do you have pet insurance?
Yes. For both my dog and cat.
However it doesn't cover dental, annual shots or flea/worm treatments and has a £60 excess on each. But does cover vet's fees, death from Accident/Illness, Advertising & Reward if pet goes missing, Theft or Straying, Accidental Damage (£100 excess) and if I have to go in hospital for over a few days, Boarding Fees. Also various being abroad/holiday related cover.
Cover for my dog also includes, Bereavement counselling, Pet Legal Helpline, Veterinary Helpline

Why?
I am not a great believer in insurance and dislike money going out each month for maybe nothing, but, as we all know, serious accident and illness in pets can cost a small fortune. Putting that money aside each month would never ever be enough to cover such eventualities.

3) Do you feel knowledgeable about the topic of pet insurance?
Pretty much. Especially this year as the insurer I was using for cover of my dog put the prices up by nearly 40% when he turned 10, I had to do some searching to find a new insurer who would give good cover at a reasonable cost.

[pitc9]

1) How do you usually pay for vet care? (Credit, Fund specifically for pets, Savings, etc) Credit Card if I don't have the money in the bank.

2) Do you have pet insurance? Why/Why not? No, I've looked into it, but can't make my mind up if it's really worth it or not.

3) Do you feel knowledgable about the topic of pet insurance? Would you like to be better informed. I've read a lot on the different type and levels of pet care coverage, I feel I could make an informed choice.... if I could just MAKE my mind up!! LOL! There is a LOT of information out there on pet insurance, the companies make it easy to find all the info you need.