Thank you for your comment.

Yes, I agree that knowing the right coverage is important, but no one pet parent would know what catastrophic lies ahead until it strikes. Hence most pet parents end up paying for more and wider coverage than they usually require.

I do not claim to know all pet insurance policies nor an agent for any pet insurance, however my understanding that most of the deductibles are very much limited and usually don’t cover 50% of the whole treatment session. Therefore, one still has to fork out his/her own pocket money to pay the rest of the bill.

My only question is that, having spent on pet insurance and vet bills concurrently at the end of the day; is it really justifiable? While others may feel more comfortable having their pets insured, but for me I rather have a reserve fund instead…minus the paper work and hassle I have to go through answering numerous questions whenever I need a claim.

Embrace pet insurance is gearing up to offer a totally customizable policy, which allows, us, the pet parent to decide what coverages are important to us.

No, no one’s going to pay all of every claim, but a good pet insurance policy will help to prepare for the life vs. money crisis.